Secure Upfront Capital for Your Payments

Send Now, Pay Later
With a Line of Credit

Freeing up capital for your customers’ cross-border transactions can be inefficient. At the same time, creating credit arrangements for each destination market is time-consuming.

With a line of credit from Ripple, your financial institution can use XRP to complete instant, low-cost cross-border transfers. We allow you to lock in a rate at the time of the payment, then repay us when it’s convenient for you, for a small fee.

Only for use by eligible institutional RippleNet customers, not consumers / general public / retail customers. Availability varies by jurisdiction and is subject to change.

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Lower Your Cost of Capital

"Early customer feedback on the Line of Credit beta shows that the service is helping money transfer service businesses make global transactions even more affordable for their customers."

Asheesh Birla, GM of RippleNet

On-Demand Liquidity Eliminates Pre-Funding


Improve your working capital position and fund fresh growth for your business.

On-Demand Liquidity is Fast


Access any global market using one simple credit arrangement through RippleNet.

On-Demand Liquidity is Affordable


Start payments without having to manage your account balance.

On-Demand Liquidity is Affordable


Benefit from competitive rates that lower your cost of capital.

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Get Started With
Line of Credit


Let's Chat

Give us an overview of your business goals and how we can help.


Send Transactions

Use XRP provided by Ripple to complete your cross-border transactions.


Make Repayments

Pay back each draw on a fixed repayment schedule that’s convenient for you.


Send Transactions

Use XRP provided by Ripple to complete your cross-border transactions.


Get More Funds

Pay off your balance and more credit will automatically be made available.

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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.

Become an Early Adopter