Ripple and Cross River Bank Integrate RLUSD for Core Banking

The integration allows businesses to bypass the need for fragmented blockchain infrastructure. Instead, companies can manage RLUSD transactions alongside traditional payment rails like ACH and wire transfers. Adam Goller, head of fintech banking at Cross River, noted that the move addresses a persistent industry pain point where firms currently rely on multiple providers to move capital globally. The bank, which manages these services through its proprietary Core Operating System, expects the stablecoin to reduce settlement delays significantly.

Transactions on the XRP Ledger typically finalize in three to five seconds at a fraction of a cent. For Cross River, this speed provides a new tool for issuers and acquirers to manage liquidity outside of standard banking windows. While the service is currently limited to specific U.S. states, the partnership reflects a broader push by Ripple to embed blockchain assets into existing institutional workflows. Recent moves include similar custody and settlement agreements with DriveWealth and Standard Chartered, as the company seeks to scale the utility of its stablecoin, which currently holds a market capitalization exceeding $2.5 billion.