RIPPLE

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COMPANY detail

RIPPLE
Modernize your financial infrastructure

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RIPPLE

Company Overview.

Year Founded 2004
Status Private
Specialties Cross-Border Payments, Financial Technology, Cryptocurrency
Company Size 501-1000 Employees
Industry Technology, Information and Internet
Location San Francisco, USA

Description.

Ripple is a financial technology company providing blockchain-based infrastructure for global payments, digital asset custody, and stablecoin solutions. Founded in 2004 as OpenCoin and rebranded to Ripple in 2013, the company operates the XRP Ledger and offers enterprise solutions including Ripple Payments, Ripple Custody, and Ripple USD (RLUSD). The company serves hundreds of customers across 90+ countries, including banks, financial institutions, payment service providers, and crypto businesses. Key metrics include $95 billion in payments volume processed and $1.5 billion+ in RLUSD circulating supply. Notable clients include BBVA Switzerland, Travelex Bank, and Flash Payments.

Ripple holds money transmitter licenses and operates under NMLS #2314015. The company has raised $893.9M across 17+ funding rounds, with the latest $500M Series D in November 2025 valuing the company at $40B (secondary market showed $50B in March 2026). Lead investors include Fortress Investment Group, Citadel Securities, Pantera Capital, and Galaxy Digital. In 2025, Ripple completed $4B+ in acquisitions including Hidden Road ($1.25B), GTreasury, Metaco, and Rail to build a one-stop infrastructure shop.

Key Infrastructure.

Ripple Payments
Ripple Payments
Enterprise cross-border payment solutions enabling instant global settlements across 90%+ of global FX markets.
Processes over $95 billion in payment volume annually, connecting financial institutions to over 1,000 banking partners through a single integration with real-time settlement capabilities.
Ripple Custody
Ripple Custody
Institutional-grade digital asset custody solution designed for banks and financial institutions with support for over 1,000 custody wallets.
Features hardware security module (HSM) protection, multi-signature support, and comprehensive asset coverage including XRP, BTC, ETH, andtokenized real-world assets.
Ripple USD (RLUSD)
Ripple USD (RLUSD)
Fully regulated USD-backed stablecoin with over $1.5 billion in circulating supply.
Issued under U.S.
regulatory framework with reserve attestations, designed for programmable 24/7 global payments and settlement infrastructure across institutional finance applications.
Ripple Prime Brokerage
Ripple Prime Brokerage
Institutional prime brokerage services acquired through the $1.25 billion Hidden Road acquisition (now Ripple Prime).
Provides OTC spot trading, clearing, and financing services enabling institutional clients to execute trades across dozens of major digital assets including XRP and RLUSD.
Ripple Treasury
Ripple Treasury
Enterprise treasury management solution acquired through GTreasury acquisition.
Provides corporate treasurers with real-time visibility into fiat and digital liquidity, bank connectivity, and integrated payments and market data in a unified platform environment.
Stablecoin Payments
Stablecoin Payments
Stablecoin payment infrastructure acquired for $200 million through Rail acquisition.
Creates the most comprehensive end-to-end stablecoin payments solution, compliantly connecting fiat and digital asset payment rails for seamless cross-border transactions.

Additional Features.

SWIFT Global Integration
Strategic partnership with SWIFT providing Alliance Lite2 cloud-based messaging access and SWIFTRef data for IBAN and ABA validation. Enables secure banking message exchange without requiring on-premise SWIFT infrastructure installation.
Post-Quantum Cryptography
Multi-phase roadmap targeting full quantum-resistant cryptography readiness on the XRP Ledger by 2028. Active development in collaboration with Project Eleven includes validator testing, early custody prototypes, and hybrid quantum-safe account migration contingency planning.
XRPL Ecosystem Funding
Over $550 million deployed directly into the XRP Ledger ecosystem since 2017 through grants, builder incentives, strategic partnerships, and growth programs supporting developers and innovators building on the XRPL blockchain.
Institutional DeFi Suite
Native on-chain lending protocols, confidential transfers using Zero-Knowledge Proofs for privacy-preserving transactions, and permissioned markets for regulated tokenized assets all scheduled for mainnet release throughout 2026.
Multi-Acquisition Strategy
Four major strategic acquisitions in 2025 totaling over $4 billion: Hidden Road ($1.25B), GTreasury (~ $1B for treasury management), Metaco (custody infrastructure), and Rail (stablecoin payments). Building unified full-stack infrastructure.
Regulatory Infrastructure
NMLS #2314015 money services business license with conditional OCC approval pending for Ripple National Trust Bank charter. Active regulatory engagement across multiple jurisdictions including U.S., Singapore, and UAE.

General Questions.

Ripple provides enterprise blockchain infrastructure including cross-border payments (Ripple Payments), digital asset custody (Ripple Custody), and a regulated USD stablecoin (Ripple USD/RLUSD). It enables banks and financial institutions to integrate blockchain into their business.

Banks, financial institutions, payment service providers, fintechs, crypto businesses, and treasury management teams. Notable clients include BBVA Switzerland, Travelex Bank, and Flash Payments.

Ripple operates as a money services business with NMLS #2314015 and has received conditional OCC approval for Ripple National Trust Bank charter.

XRP Ledger with RLUSD (Ripple USD) stablecoin. RLUSD has surpassed $1.5B in circulating supply.

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