From Pilot to Production: A Fintech’s Checklist for Stablecoin Payments
May 20, 2026
Collect, Convert, Pay Out, Move
*Availability of products can vary and may be provided by different Ripple entities
On/Off Ramps
Convert between Fiat and Stablecoin
On/Off Ramps convert between fiat and digital assets as funds move through your payment flow.
Priced on our own book
Every conversion is priced and executed on Ripple's own OTC desk. No third-party market maker is involved, so no market-maker margin is passed through to you.
Offer it without holding it
Ripple holds and converts the digital assets. Your customers get a stablecoin on-ramp and off-ramp. No crypto exposure unless you want it.
First-party and third-party flows
Convert your own funds, or funds you move on behalf of your customers. A single API supports both.
Acceptance
Accept stablecoin, settle in fiat
Acceptance is how Ripple receives, converts, and settles stablecoin collections on your behalf, so you never hold digital assets directly. Ripple handles KYT and Travel Rule compliance and settles to you in fiat same-day or next-day, while you keep KYC for your customers.
Channel Wallets
Pair-specific wallets for recurring B2B relationships. Each payer gets its own address, so inbound funds attribute cleanly to the right customer.
One-time Payment Links
Crypto payment links for checkout and invoice flows. Send a link, your customer pays in stablecoin, and the funds enter the same managed collection flow.
Institutional Collection
Institution-to-institution settlement that replaces SWIFT on that leg. Supports collections on behalf of your own customers as well as your own account.
Multi-Asset Payouts
Pay out without prefunding
Multi Asset Payouts pays out in fiat or stablecoin, first party or on behalf of your customers, across 60+ markets.
Global Payout Coverage
Real-time rails for USD, EUR, and GBP, plus access to harder-to-reach markets across Asia, Africa, and Latin America – 60+ in total, so adding a market isn’t adding a vendor.
No Pre-Funding Required
Pre-fund or fund just-in-time, your choice. Working capital stays in your business instead of sitting idle in every destination market you pay into.
In-house FX execution
When a payout needs currency conversion, we do it on our own OTC desk. No third-party market maker sits in between, so there's no market-maker margin in your rate.
Intercompany Payments
Move funds between your own entities
Intercompany Payments moves money between your own entities across fiat and stablecoin rails.
Intercompany transfers, settled in minutes
Move funds between entities of the same business and they settle in minutes, not the days a correspondent chain takes.
One pool for fiat and stablecoin
Hold fiat and stablecoin balances in one place.
Available 24/5
Treasury payments run 24/5 on weekdays.
Where these features go to work
Accept stablecoin payments globally
Acceptance and On/Off Ramps allow your business customers to pay in stablecoins while you settle in fiat, removing the need to build a custom wallet stack or directly manage digital assets.
Pay out in stablecoins or fiat globally
Multi Asset Payouts and On/Off Ramps put stablecoin payouts, crypto payroll, and fiat disbursement across 60+ markets behind one API – without prefunding a single corridor.
Who Uses These Features
This partnership marks a turning point in advancing our stablecoin-based remittance capabilities. By leveraging Ripple's global network, we aim to set a new standard for cross-border payments within Korea's evolving financial ecosystem.
Choi Woo-hyung
CEO at Kbank
Built as infrastructure, not as parts
Our own OTC desk
Conversion and payout FX are priced and executed on Ripple's own book. No third-party market-maker margin is passed through to you.
Compliance inside the flow
KYT screening and Travel Rule compliance on inbound stablecoin, handled as part of the payment rather than bolted onto it.
