Ripple and Cross River’s RLUSD integration puts dollars and stablecoins on one API

Fintech companies will be able to move between dollars and stablecoins through the same banking platform under Ripple’s agreement with Cross River Bank. The RLUSD integration, announced on October 15, 2026, will connect the token to the bank’s existing payment services, giving customers access to blockchain transfers without building separate infrastructure. Key takeaways Cross River plans one API for RLUSD, ACH, wires and real-time payments. The bank’s services are available only in limited U.S. states. RLUSD’s market capitalization has surpassed $2.5 billion. Related agreements cover brokerage settlement, institutional custody and developer wallets. According to crypto.news, Cross River will add RLUSD to its proprietary Core Operating System , with blockchain transactions handled on the XRP Ledger. The agreement gives fintech clients access to stablecoin transfers alongside conventional dollar payment methods.

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