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Payments Infrastructure

The XRP Ledger Payments Infrastructure is a payments solution for use cases including stablecoin payments, cross-border remittance, B2B payment rails, and merchant settlement.

Payments Infrastructure

Why Choose XRPL Payments Suite for Your Payment Rails?

  • 01

    Enable Cross-Border Stablecoin Payments
    • Set of regulated stablecoins RLUSD, AUDD, BBRL, USDC etc live on XRPL
    • Easily receive, store, convert, issue and send stablecoins

  • 02

    Access Reliable Payments Infrastructure
    • Uninterrupted performance with 99.9% uptime since 2012
    • Over $1T+ in value moving transactions processed to date

  • 03

    Move Money Efficiently
    • Transactions settle atomically, in 3-5 seconds
    • Predictable and ultra-low transaction fees

Advanced Payment Features

Helping fintechs and payment providers move money fast, globally, and at low cost - all through simple APIs.
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Enterprise-Grade Stablecoins, Issued Natively on XRPL

RLUSD

Ripple's enterprise-grade stablecoin, is live on XRPL and fully backed by USD deposits. Built for institutions, it enables fast, compliant, low-cost cross-border payments.
RLUSD

USDC

Issued by Circle, is the world's largest regulated dollar stablecoin and now live on XRPL. It unlocks new corridors for enterprise payments, remittances, and DeFi for millions of users and developers.
USDC

USDB

By Braza Group, is a USD-pegged stablecoin backed by U.S. and Brazilian bonds. Built for FX and remittance, it supports both institutional and retail users via the Braza On app.
USDB

EUROP

Issued by Schuman Financial, is the first MiCA-compliant euro stablecoin on XRPL. With full reserves at leading EU banks, it brings credible euro liquidity to payments, on-chain FX, and DeFi.
EUROP

XSGD

From StraitsX, is a Singapore Dollar-backed stablecoin regulated by MAS. Its launch on XRPL enhances fast, low-cost payments in Southeast Asia's digital economy.
XSGD

AUDD

An Australian dollar stablecoin, is live on XRPL and backed 1:1 with AUD. It supports value transfers, remittance, trade, cross-border transactions and DeFi, enabling AUD utility via XRPL's Decentralised Exchange.
AUDD

Unlock New Business Models with Embedded Payments

XRPL Payments supports modern fintech use cases with plug-and-play APIs or partner-led deployments.

  • Digital Wallets

    Offer fast, low-fee stablecoin payments between users and applications.

  • Cross-Border Remittance

    Use secure payment channels and the most optimal liquidity pathways for global remittances with RLUSD.

  • Regulated Foreign Exchange

    Tap into a set of fiat-backed stablecoins, instantaneous swaps for efficient Foreign Exchange.

  • Merchant Settlement

    Settle daily payments across assets using escrow or checks with compliance-focused features.

  • B2B Payment Rails

    Build programmable payment flows with conditions and real-time data feeds.

  • Compliance-First Payments

    Add Deposit Authorization and whitelisting to comply with AML and KYC workflows.

Payments Solution, Battle-Tested by Industry Leaders

Flexible Integration: DIY or Partner-Led

  • Build It Yourself

    Ideal for seasoned teams with crypto experience

  • Work with a Partner

    Ideal for regulated institutions

    • Connect with the Community
    • Get help for more complex use cases

Developer Spotlight

Are you building a peer-to-peer payments solution, integrating stablecoins, or exploring RLUSD on the XRP Ledger?
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