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Settlement Network

Instant, certain, low-cost international payments

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Enabling the Internet of Value

Global commerce is rapidly changing. Businesses are increasingly global from day one and consumers are programmed to expect on demand delivery of services and information. Yet, the current infrastructure for payments is woefully inadequate to meet these needs.



Ripple works with banks to transform how they send money around the world — a necessary step to compete in today’s growing economy. Our vision is to enable the Internet of Value so the world can move value the way it moves information today.

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What Is Ripple?

Ripple’s distributed financial technology enables banks to send real-time international payments across networks.

Why Ripple?

Using Ripple, banks can meet growing demands for faster, low-cost, on-demand global payment services for any payment size. The result: new revenue opportunities, lower processing costs, and better overall customer experiences.

distributed financial technology
Access

Direct bank to bank settlement

distributed financial technology
Speed

Instant settlement

distributed financial technology
Certainty

Real-time traceability of funds

distributed financial technology
Cost

Lowest total cost of settlement

Quantify Your Bank’s Efficiency Gains

Using Ripple, your bank can acquire new customers and grow revenue through differentiated products and services. In addition to that, Ripple lowers your bank’s back-office costs through an efficient mechanism to process and settle international payments. This model allows you to estimate the efficiency gains your bank can achieve using Ripple for international payments. See related article.

Use the sliders below to customize the analysis using your bank's volume and operational metrics.

# Of Annual Transactions
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$
Annual Transactions Value
$5M $200M $5T $5B $200B

Ripple can save your bank

per payment*

Annual Savings of

*Savings may be greater for micro-payments.

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Banks Are Adopting

Ripple enables banks to open new revenue opportunities, lower processing costs and deliver better overall customer experiences. Integrate once to access the full potential of Ripple’s growing network of financial institutions and liquidity providers.

15
of the top 50 banks work with Ripple
30
active integrations
87
%
coverage of FX crosses
116
countries with banks implementing Ripple in production

What Others Are Saying

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“As a leading international bank committed to facilitating trade, commerce and investments, this partnership will go a long way in progressing our digitization agenda to develop innovative solutions for our clients.” Gautam Jain, Global Head, Digitization and Client Access, Transaction Banking at Standard Chartered
“Blockchain and related technologies are a paradigm shift from the status quo and increasingly a major focus of innovation for us. Through our partnership with Ripple, we are optimizing our global payments as one of the first major banks to implement distributed financial technology in a commercial setting.” Paolo Cederle, CEO of UniCredit Business Integrated Solutions
“Using the Ripple solution, we are working on a new commercial payment service for retail customers that will allow them to send money from China to the U.S. and other countries in real-time.” Andrew Fang, General Manager & Head of Innovation and Research at SHRB
“Using blockchain technology, ATB Financial became the first financial institution in Canada to complete an overseas payment in a matter of seconds. The transaction we performed proves we can significantly reduce the time it takes to move money across borders. This could revolutionize banking for our customers.” Curtis Stange, Chief Strategy & Operations Officer at ATB Financial

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Ripple Insights features industry updates, insider perspectives and in-depth market analysis.

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    Adopting Ripple through one simple integration provides instant access to revenue-generating use cases.