- Ripple and DXC connect blockchain payments to core banking systems used by millions of accounts worldwide today.
- Banks can use XRP and RLUSD payments without changing existing core infrastructure or replacing legacy systems.
- The partnership brings digital asset custody and tokenization into regulated banking environments at scale globally.
Ripple and DXC Technology have partnered to integrate blockchain payments into core banking systems used across global financial institutions. The collaboration connects Ripple’s digital payment infrastructure with DXC’s Hogan core banking platform. This move positions XRP-based payments within everyday banking operations at scale.
Hogan supports more than $5 trillion in deposits and over 300 million bank accounts worldwide. As a result, the integration places Ripple’s technology inside systems already used by major banks. The focus remains on enabling blockchain payments without replacing existing banking frameworks.
Core Banking Access Expands Blockchain Reach
The partnership allows banks to process blockchain-based payments while continuing to use their current core systems. Ripple’s payment tools, which rely on XRP and the RLUSD stablecoin, will operate through Hogan. Therefore, banks can access digital asset payments without system overhauls.
DXC designed the integration to support enterprise-level transaction volumes. It also covers digital asset custody and tokenized assets. Consequently, banks can manage payments and custody services within one operational environment.
The approach aims to reduce technical barriers that often slow blockchain adoption. Instead of building separate platforms, institutions can extend existing services. This structure supports compliance requirements while maintaining operational stability.
XRP and RLUSD Enter Institutional Workflows
XRP plays a central role in Ripple’s payment services, especially for cross-border settlements. Through the Hogan integration, XRP moves closer to routine use in banking workflows. RLUSD also gains exposure as part of settlement and collateral processes.
The timing aligns with Ripple’s broader institutional strategy. The company recently invested $150 million in LMAX Group to support RLUSD adoption. Within LMAX, RLUSD will function as a collateral asset in institutional foreign exchange trading.
Additionally, Binance listed RLUSD on its markets, starting with ERC-20 trading pairs. The exchange plans to add support for the XRPL network later. RLUSD’s market capitalization has since reached approximately $1.4 billion.
Bridging Legacy Finance and Onchain Systems
DXC and Ripple structured the alliance to bridge legacy finance with blockchain-based infrastructure. The model avoids disruption to core banking operations. Instead, it integrates blockchain services into trusted environments.
This structure supports use cases beyond payments. Tokenized assets, automated refunds, and digital rewards become easier to deploy. Therefore, banks can explore new services while maintaining familiar controls.
Ripple also continues to invest in ecosystem development. A recent partnership with UC Berkeley launched the Digital Asset Xcelerator initiative. The program focuses on expanding institutional use of the XRP Ledger through research and development.
Regulatory Context and Market Conditions
The partnership unfolds amid evolving regulatory conditions. Recently, the United Kingdom granted Ripple regulatory permission, which favors growth. Regulation clarity is an important institutional adoption factor. Additionally, Ripple also secured Luxembourg EMI approval to expand regulated cross border payment services across the European Union.
The market situation is unstable in the crypto industry. Bitcoin dropped to less than $90,000, which caused mass liquidations. Nevertheless, institutional infrastructure development proceeds.
By integrating blockchain payments into core banking platforms, Ripple and DXC focus on long-term financial system integration. The partnership reflects a shift toward practical deployment rather than experimental adoption.
