Use Case

Corporate Disbursements

Real-time global payments for corporate customers


Banks are seeing the emergence of a new type of corporate customer, one that operates a platform business that connects consumers directly with suppliers. Think of businesses like Amazon, Uber and Facebook. These new corporates need to send high volumes of low-value global disbursements across a plethora of banking and non-traditional payment networks. Banks today either don’t or can’t support this functionality in an economically viable way.

New Revenue Opportunities

Working with Ripple enables banks to service new corporate customers that need to send efficient low-value payments across different payment networks, on demand, in real time, at a fraction of the cost of traditional rails.

Demo: High-volume, Low-value Corporate Disbursements


Instant batch and individual payments

Certainty in payments for just-in-time vendor payments

Automated reconciliation processing through payment tracking

Less working capital required

Cost Savings

For an average corporate disbursement of $500, banks can save 60 percent in total processing costs.

Key Cost Saving Drivers

Payment processing cost
Higher Straight-Through Processing rates
Elimination of SWIFT costs

Treasury operations cost
Lower in-flight capital
Lower liquidity cost
Lower counterparty risk

Reconciliation cost
Instant confirmation
Real-time liquidity monitoring

Cost Savings per Category

Payment processing



What Customers Are Saying

“With over $155 trillion of cross-border payments being made between businesses annually, it is crucial that we continue to innovate to make international payments easier and faster not just for our clients but also for the future of the payments industry. As a leading international bank committed to facilitating trade, commerce and investments, this partnership will go a long way in progressing our digitization agenda to develop innovative solutions for our clients.”

—Gautam Jain, Global Head, Digitization and Client Access, Transaction Banking, Standard Chartered

Want to Get Started?

Receive a customized cost analysis for your bank to enable new real-time payment services for your corporate customers.