Ripple Partnerships
From SBI Holdings to Mastercard and BNY Mellon — the complete list of banks, payment providers, and institutions in the Ripple network across 55+ countries.
Disclaimer: This website is for informational purposes only and does not constitute financial advice. Always do your own research before making investment decisions.
How Do Partners Use XRP and Ripple Technology?
Ripple offers several products that partners can adopt, each leveraging the XRP ecosystem:
Cross-border payments using XRP as bridge currency — the core product driving XRP transaction volume
Institutional-grade digital asset custody for banks holding XRP and other assets
Prime brokerage with post-trade settlement migrating to the XRP Ledger
USD stablecoin on the XRPL, used for settlement and as collateral
Private XRPL sidechains for central bank digital currency pilots
Partners building real-world asset tokens on the XRPL
Strategic & Major Partners
Key strategic relationships driving the Ripple ecosystem
SBI Holdings
Bank/Financial GroupJapanJapan's largest financial conglomerate. Co-created SBI Ripple Asia in 2016. Operates SBI VC Trade and drives XRPL adoption across Asia.
Mastercard
Payment NetworkGlobalPartnered in 2025 with WebBank and Gemini to settle fiat card transactions using RLUSD on the XRP Ledger.
BNY Mellon
Custodian BankUSASelected as custodian for RLUSD stablecoin reserves, providing institutional credibility and trust.
MoneyGram
RemittanceGlobalStrategic ODL partnership from 2019-2021 for cross-border payments. Paved the way for institutional adoption.
Banks & Financial Institutions
Major banks connected to RippleNet and the XRP Ledger ecosystem
Banco Santander
BankSpain/GlobalOne of the world's largest banks. Used RippleNet for its One Pay FX cross-border payment app.
Standard Chartered
BankUK/GlobalMajor international bank using Ripple technology for cross-border payments.
BBVA
BankSpainUses Ripple Custody (Metaco Harmonize) for digital asset custody and is a Ripple Payments client.
MUFG (Mitsubishi UFJ)
BankJapanJapan's largest bank and a RippleNet member.
Citibank
BankUSA/GlobalUses Ripple Custody (Metaco Harmonize) for institutional digital asset custody.
BNP Paribas
BankFranceEurope's largest bank by assets, uses Ripple Custody (Metaco).
Société Générale
BankFranceUses both Ripple Custody and Palisade wallet infrastructure.
RAKBANK
BankUAEUses Ripple Payments for cross-border remittances from the UAE.
Al Rajhi Bank
BankSaudi ArabiaThe world's largest Islamic bank, connected to RippleNet.
Siam Commercial Bank
BankThailandThailand's oldest bank, one of the earliest RippleNet adopters.
National Australia Bank
BankAustraliaOne of Australia's Big Four banks.
Westpac
BankAustraliaAustralia's second-largest bank, connected to RippleNet.
Akbank
BankTurkeyTurkey's leading private bank.
Axis Bank
BankIndiaIndia's third-largest private bank.
DBS
BankSingaporeSoutheast Asia's largest bank.
UBS
BankSwitzerlandGlobal banking giant connected to Ripple's enterprise solutions.
Mizuho Financial Group
BankJapanOne of Japan's three mega-banks.
Payment Providers & Fintechs
Companies using Ripple Payments and ODL for cross-border transfers
Tranglo
PaymentsSoutheast Asia40% owned by Ripple. Processes ODL-powered payments across 25 corridors with $970M+ in volume.
TransferGo
RemittanceEuropeEuropean remittance provider using ODL for instant cross-border transfers.
Currencies Direct
FX/PaymentsUKUK-based foreign exchange and payment provider on RippleNet.
dLocal
PaymentsLatin AmericaLatin American payment platform using Ripple for cross-border settlement.
AirWallex
PaymentsAustralia/GlobalGlobal payments platform leveraging Ripple's network.
Bexs Banco
PaymentsBrazilBrazilian payment institution using ODL for Brazil corridor payments.
Cuallix
PaymentsMexicoFirst institution to use xRapid (now ODL) commercially for US-Mexico remittances.
American Express
PaymentsUSA/GlobalExplored RippleNet for B2B cross-border payments between US and UK.
Tokenization & Digital Assets
Partners building tokenized asset infrastructure on the XRP Ledger
Archax
Digital ExchangeUKFCA-regulated exchange tokenizing assets including BlackRock's money market fund on the XRPL.
Meld Gold
TokenizationAustraliaTokenizing gold and precious metals on the XRP Ledger.
Zoniqx
TokenizationUSATokenizing treasury bills and real-world assets on the XRPL.
Dubai Land Dept + Ctrl Alt
Real EstateUAETokenizing real estate on the XRPL for fractional ownership (July 2025).
Central Bank Partnerships
Ripple is working with 20+ central banks on CBDC pilot programs
Republic of Palau
GovernmentPacificNational stablecoin (PSC) built on the XRPL, launched as a pilot in 2023.
Bhutan (Royal Monetary Authority)
Central BankAsiaPiloting a retail CBDC on the XRP Ledger private sidechain.
Colombia (Banco de la República)
Central BankSouth AmericaExploring CBDC solutions using Ripple's CBDC platform.
Montenegro
GovernmentEuropeWorking with Ripple on digital currency infrastructure.
Acquisitions Strengthen the Network
Beyond traditional partnerships, Ripple has spent $3.7 billion acquiring companies that expand its capabilities — from Hidden Road (prime brokerage) to GTreasury (enterprise treasury) to Palisade (wallet infrastructure). Each acquisition brings existing client relationships into the Ripple ecosystem.
Read the full analysis: Ripple's Acquisition Strategy →
Frequently Asked Questions
Continue Learning
The Network Effect
Every new partner increases the value for all existing participants. With 55+ countries and $90B+ processed, the network effect is accelerating.
Last updated: February 10, 2026. Written by the AllAboutXRP Editorial Team. Sources: Ripple official announcements, BusinessWire, CoinDesk, Financial Times, 21Shares research.