Ripple is no longer approaching banks from the outside. Instead of asking financial institutions to experiment with separate blockchain rails, the company is now embedding its payment technology directly into the systems that already run day-to-day banking operations.
This marks a more pragmatic phase of blockchain adoption – one focused on integration rather than disruption.
Key Takeaways
Ripple is integrating XRP payments directly into core banking systems via DXC.
Banks can enable blockchain payments without changing existing infrastructure.
The XRP Ledger is positioned as the settlement layer behind the scenes.
That strategy is taking shape through a collaboration with DXC Technology, which will connect Ripple’s payment stack, including XRP and the RLUSD stablecoin, to the Hogan core banking platform. Hogan is widely used across the global banking sector, supporting trillions of dollars in deposits and hundreds of millions of customer accounts. By tapping into this layer, Ripple gains access to the operational heart of traditional finance.
Blockchain Payments Without Rebuilding the System
The key feature of the integration is what it does not require. Banks using Hogan will not need to replace their core systems or redesign their infrastructure to support blockchain payments. Instead, Ripple’s technology is added as an extension, allowing digital asset payments, custody, and tokenized assets to function within existing workflows.
DXC describes the setup as a bridge between legacy finance and enterprise blockchain. Transactions are expected to run on the XRP Ledger, which is already optimized for fast settlement and low-cost transfers. For banks, this reduces both technical risk and internal resistance, two factors that have historically slowed crypto adoption in regulated environments.
A Broader Institutional Push Takes Shape
The DXC partnership fits into a wider institutional expansion by Ripple. In recent weeks, the company invested heavily in LMAX Group, positioning RLUSD as a collateral asset within professional foreign exchange trading infrastructure. At the same time, Ripple has expanded its research footprint through a collaboration with University of California, Berkeley, supporting applied blockchain research and enterprise use cases.
Taken together, these moves suggest Ripple is targeting infrastructure-level relevance rather than surface-level adoption. By embedding XRP-powered payments into core banking software, trading systems, and research pipelines, the company is building a foundation where digital assets can be used quietly but consistently. For banks, the value lies in gaining access to faster settlement, tokenization tools, and digital liquidity, without destabilizing the systems they already depend on.
