XRP
Cross River Bank Integrates Ripple's RLUSD Stablecoin for Fintech Settlement
Cross River Bank has integrated Ripple's RLUSD stablecoin into its core platform to offer blockchain settlement alongside conventional payment rails.
Cross River Bank announced on October 15 that it has integrated Ripple's RLUSD stablecoin into its proprietary Core Operating System, adding support for the XRP Ledger. The move enables the bank's fintech clients to execute on-chain transactions directly through the platform alongside conventional payment methods such as ACH and wire transfers.
The integration utilizes the XRP Ledger's settlement infrastructure, which operates with transaction speeds of approximately three to five seconds and fees of a fraction of a cent. Ripple has positioned RLUSD for use cases including cross-border transfers, merchant settlement, and corporate treasury management operating outside traditional banking hours.
The report notes that total transaction delivery times still depend on additional off-chain procedures, such as regulatory compliance checks, foreign exchange conversions, and fiat off-ramping into banking accounts. Neither company framed the integration as an immediate replacement for existing financial rails, with broader adoption dependent on fintech client demand.
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