Cross River Bank has embedded RLUSD on the XRP Ledger into its proprietary Core Operating System (COS). The integration gives fintechs access to a new settlement option alongside ACH, wires,
Cross River Bank has embedded RLUSD on the XRP Ledger into its proprietary Core Operating System (COS).
The integration gives fintechs access to a new settlement option alongside ACH, wires, and real-time payments through a single API connection. RLUSD now sits inside the same banking infrastructure those fintechs already use.
XRPL Validator Vet called the development significant for XRP specifically. “The XRPL accelerates at this type of use case, fast, efficient settlement,” Vet tweeted, describing the ledger as a “purpose-built settlement machine.”
XRP Ledger is being used as a new rail inside Cross River Bank's COS for settlement.
RLUSD opens the doors for the network integration and the ledger takes care of the rest.
The XRPL accelerates at this type of use cases, fast efficient settlement. Leveraging its native… https://t.co/HRpo2UPPWBpic.twitter.com/8W5xgy8KFN
— Vet (@Vet_X0) October 15, 2026
Cross River’s COS acts as the central layer. Fintechs connect to it once and gain access to all supported payment rails. RLUSD on the XRP Ledger is the newest addition. Transactions settle on the XRPL in 3-5 seconds, 24/7, at a fraction of a cent in fees.
The stablecoin is issued on the XRP Ledger and backed 1:1 by U.S. dollars. Fintechs can move between USD and RLUSD directly within the platform. The integration also supports intraday settlement for issuers and acquirers, reducing settlement latency.
Adam Goller, Head of Fintech Banking at Cross River, described the goal plainly. “Our partnership with Ripple eliminates that complexity and makes payments simpler,” he said. The bank wants fintechs to access ACH, wires, real-time payments, and RLUSD settlement in one place without managing separate providers or blockchain infrastructure.
Vet’s analysis extended beyond RLUSD. The validator noted that using the XRPL creates a knock-on effect for XRP. The ledger’s native features, including tokenization, trust lines, accounts, and reserves, all contribute to XRP’s utility as a bridge asset.
Autobridging on the XRPL’s decentralized exchange uses XRP to provide liquidity between token pairs. That demand grows as more assets and activity land on the ledger.
“RLUSD opens the doors for the network integration, and the ledger takes care of the rest,” Vet wrote.
RLUSD has grown to a market capitalization above $2.5 billion. More than $1 billion of that sits on the XRP Ledger. The XRPL has settled over $1.3 trillion in value to date.
Markus Infanger, SVP of RippleX at Ripple, addressed the integration’s significance. “Cross River is at the forefront of putting that into practice by bringing RLUSD and the XRP Ledger’s fast, low-cost settlement into its regulated banking platform,” he said.
The integration is currently available in limited states. Cross River and Ripple have positioned it as infrastructure for a financial system where RLUSD moves alongside traditional dollars under the same standards.
For XRPL validators and ecosystem participants, the Cross River integration is a data point. Real-time, regulated settlement is running on the ledger now.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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