Ripple Payments

Ripple Payments is an end-to-end cross-border payment platform that leverages the XRP Ledger (XRPL) and stablecoins to enable near-instant global money movement for businesses across 90+ countries.

Product Overview

Built on the XRP Ledger, Ripple Payments provides enterprise-grade B2B fiat on/off-ramp infrastructure that settles transactions in 3–5 seconds. The platform connects fiat and digital asset rails through four integrated capabilities — Collect, Hold, Exchange, and Payout — giving businesses a single solution for global payment flows without the need for local banking relationships in every market.

Key Features

• Collect: Accept stablecoin and fiat payments globally with instant currency conversion and automated settlement into unified accounts
• Hold: Provision virtual accounts and crypto wallets for customers and internal treasury, with consolidated multi-currency balance visibility
• Exchange: 24/7/365 fiat-to-digital asset conversion powered by deep liquidity pools, eliminating delays from banking hours and time zones
• Payout: Execute real-time mass disbursements globally in minutes, with recipients receiving payments in their preferred currency — stablecoin or local fiat

Use Cases

Ripple Payments is used by financial institutions, fintechs, and enterprises seeking to modernize cross-border payment infrastructure. Customers include BBVA Switzerland, Travelex Bank, DZ Bank, and Zand Bank. Ripple holds 75+ active money transmission licenses globally and maintains SOC 2 Type II and ISO 27001 compliance.