Central Bank Digital Currency

Secure blockchain innovation for a sustainable economy

Manage the full CBDC lifecycle

Ripple offers a complete platform for minting, managing, transacting, and destroying CBDCs.

Each solution is built on private sidechains of the XRP Ledger—a proven blockchain that has transacted over 69 million times over the course of 10 years and is trusted by financial institutions around the world.

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Why choose Ripple's CBDC platform

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Stability, security, and resilience

Build trust using the XRP Ledger's proven technology, enabling consistent standards, privacy, and security.

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Access and inclusion

Enable wholesale and retail use cases by supporting a variety of participants including banks, fintechs, and members of the public.

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Interoperability and overlay services

Connect to domestic payment systems, core ledgers, and other CBDCs to reach new levels of innovation through programmability support and smart contracts.

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Sustainability

Commit to sustainable innovation by using the carbon-neutral XRP Ledger, which uses a unique consensus mechanism that consumes negligible energy.

Ripple CBDC Dashboard UI

How Ripple's CBDC platform works

Step 1
Onboard

Standard APIs enable integration of the CBDC platform into existing systems.

Step 2
Mint

Banks can use the CBDC platform's cryptographic multi-sign controls to mint CBDCs.

Step 3
Distribute

Issuers can directly send CBDCs to authorized accounts, ensuring only valid participants can receive and hold the CBDCs.

Step 4
Transact

Transactions settle in 2-3 seconds across many use cases. Interoperability enables cross-asset and cross-border transactions when connected to another CBDC.

Step 5
Redeem

Participants can return funds on the CBDC platform to the issuer in exchange for fiat.

Step 6
Destroy

The CBDC platform supports the secure destruction of currency, giving the bank full control over supply.

Whitepaper

A financially inclusive CBDC framework

Our CBDC whitepaper provides guidance on CBDCs and explores how to ensure global interoperability. Discover how to join the growing momentum behind CBDCs, develop common solutions, and ensure that the next evolution of money is more fiscally inclusive.

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Read the latest blog posts on Ripple Insights

Ready to get started?

Contact a member of our team to learn how Ripple's CBDC platform can help you implement a secure, inclusive, sustainable solution tailored to meet your needs in a changing financial world.