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The Financial Network of the Future

Easily run a high-performance global payments business.

Join Hundreds of Financial Institutions on RippleNet

Bank of America logo American Express logo Azimo logo BancoRendimento logo Indusind logo Lemonway logo Lulu Exchange logo NIUM logo Santander logo SBI Remit logo SCB logo Tranglo logo

Streamline Global Payments and Reach New Customers

RippleNet offers connections to hundreds of financial institutions around the world via a single API and makes moving money faster, cheaper and more reliable for you and your customers. It also helps you reduce, even eliminate, the need to pre-fund accounts with On-Demand Liquidity (ODL)—a service that uses the digital asset XRP to source liquidity during cross-border transactions, as an alternative to traditional systems.

Streamline Global Payments

Get the RippleNet Advantage

Across 55+ Countries and 120+ Currency Pairs

RippleNet Coverage Map 2020
RippleNet Available
On-Demand Liquidity Available

Superior Customer Experience

Improve loyalty for your business by offering the best-in-market payments experience to your customers.


Leverage cutting-edge blockchain technology to streamline payments services and reduce costs.

Unique Liquidity Solutions

Eliminate pre-funding and free working capital with On-Demand Liquidity.

Simplified Network Partnering

Expand your network and reach key corridors easily by connecting and transacting with premier receivers in key markets.

RippleNet Capabilities

RippleNet Decentralized Infrastructure


3+ seconds to send a payment

RippleNet Modernized Messaging


100% Transparency

RippleNet Liquidity Solutions


$0 in pre-funding

Banco Santander’s One Pay FX Expands International Payments Business Using RippleNet


Worth of


European and
American Countries

“RippleNet helps us directly address the issues of speed and transparency around international payments raised by our customers and makes sending money abroad better.”

Ed Metzger, OnePay FX CTO at Santander
RippleNet video screenshot

See How RippleNet Works

With a single connection, access the best blockchain technology for global payments, payout capabilities in 40+ currencies, on-demand liquidity as an alternative to pre-funding, and operational consistency through a common rulebook.

Watch the Video

22 seconds

Average time to settle payments into Thailand

2 weeks

Average go-live time for new RippleNet partners


Reduction in cross-border payment costs on RippleNet

ISO 20022

ISO 20022: Evolve to Meet the New Global Standard

The world is converging on a new global standard for modern cross-border payments—ISO 20022.

To help enable this next step in global interoperability and meet the evolving needs of our customers, Ripple is now part of the ISO 20022 Standards Body—the first member focused on Distributed Ledger Technology (DLT).

SOC 2 Icon

Ensure Operational Excellence

RippleNet’s security capabilities are SOC 2 certified. System and Organization Controls 2 (SOC 2) are a set of internal control reports which ensure service organizations have the appropriate processes in place for secure data management and processing.

Transform Your Payments Business

Be part of the innovative network changing how money moves around the world.