Ripple and Cross River connect RLUSD to a single banking API

Ripple and Cross River Bank said on October 15, 2026 that the RLUSD stablecoin will be added to Cross River's payment platform. Fintech clients will be able to switch between U.S. dollars and RLUSD and use ACH, wires, and real-time payments through a single application programming interface. Cross River's offerings remain limited to certain U.S. states, and RLUSD's market value is now above $2.5 billion.
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Cross River intends to place RLUSD inside its Core Operating System, with XRP Ledger handling blockchain transactions. Fintech users would reach stablecoin transfers and conventional dollar rails—ACH, wires, real-time payments—through one interface, converting between USD and RLUSD inside existing systems. Availability remains confined to selected U.S. states. Standard Custody & Trust Company issues the token under a New York limited-purpose trust charter.
RLUSD transfers on XRP Ledger settle in three to five seconds for tiny fees at all hours. Its market value passed