Banks
Real-Time Global Payments Across 27 Countries
Banks join RippleNet to process cross-border payments in real time with end-to-end tracking and certainty. Banks can expand payments offerings into new markets that are otherwise too difficult or expensive to reach.
Benefits

New Revenue
Meet customer demands for global reach with ease

Lower Costs
Reduce total transaction costs with fewer liquidity requirements

Consistent Experience
Rely on RippleNet’s Rulebook for rules, standards and governance

One Integration Point
Plug in once to transact with any other RippleNet member bank
Opportunities
BOOK NEW CORPORATE CLIENTS

For the first time, banks can help global companies send on-demand payments around the world without fail. The opportunity: secure a greater share of cross-border payments volume.
INCREASE REMITTANCE REVENUES

Ripple helps banks’ customers send money to their loved ones in many emerging markets like Mexico, India and Thailand, to name a few. The opportunity: increase share of this large and growing market.
Calculate Cost Savings and New Opportunities
Banks enjoy considerable savings through an efficient way to process and settle global payments – to the tune of 60% on average – opening doors to new revenue opportunities. See related article.
Use the sliders below to customize the analysis using your bank's volume and operational metrics.
How to Join RippleNet
Send Payments
Banks that rely on external liquidity providers to send payments overseas must establish, maintain and integrate across many correspondent banking relationships. With one access point, banks can use RippleNet to easily send payments around the world at a low cost.
Recommended Solution
xVia
Offers a standard interface to originate global payments over RippleNet.
- Key Features
- One simple API to reach new markets
- Instant settlement and confirmation
- Complete fee transparency
Process Payments
Banks using their own liquidity to send international payments face high operational costs, uncertainty, low visibility into nostro balances and long response times. Ripple allows these banks to improve their customer experience while lowering operational costs.
Recommended Solution
xCurrent
Enables banks to message, clear and settle payments with light integration efforts and end-to-end tracking.
- Key Features
- Bidirectional messaging with rich data
- Real-time atomic settlement
- Standardized rules, formats and processes
Case Studies

ATB Financial – Reisebank Real Money Transfer
Watch a live transaction of $1,000 from ATB Financial in Canada to Reisebank in Germany, taking place over RippleNet.