Central Bank Digital Currency

Secure blockchain innovation for a sustainable economy

Manage the full CBDC lifecycle

Ripple offers a complete platform for minting, managing, transacting, and destroying CBDCs.

Each solution is built on a private ledger that is based upon XRP Ledger technology—a proven blockchain that has transacted over 70 million times over the course of 10 years and is trusted by financial institutions around the world.


Why choose Ripple’s CBDC platform

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Stability, security, and resilience

Build trust using the XRP Ledger’s proven technology, enabling consistent standards, privacy, and security.

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Access and inclusion

Enable wholesale and retail use cases by supporting a variety of participants including banks, fintechs, and members of the public.

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Interoperability and overlay services

Connect to domestic payment systems, core ledgers, and other CBDCs to reach new levels of innovation through programmability support and smart contracts.

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Commit to sustainable innovation by using the carbon-neutral XRP Ledger, which uses a unique consensus mechanism that consumes negligible energy.

Ripple CBDC Dashboard UI

How Ripple’s CBDC platform works

Step 1

Standard APIs enable integration of the CBDC platform into existing systems.

Step 2

Banks can use the CBDC platform's cryptographic multi-sign controls to mint CBDCs.

Step 3

Issuers can directly send CBDCs to authorized accounts, ensuring only valid participants can receive and hold the CBDCs.

Step 4

Transactions settle in 2-3 seconds across many use cases. Interoperability enables cross-asset and cross-border transactions when connected to another CBDC.

Step 5

Participants can return funds on the CBDC platform to the issuer in exchange for fiat.

Step 6

The CBDC platform supports the secure destruction of currency, giving the bank full control over supply.

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Research Report

New Value: Crypto Trends in Business and Beyond

Crypto is creating new value, and with it driving new efficiencies, powering new capabilities, and spawning new industries. Read the 2022 New Value report to learn how financial institutions, businesses, governments, and individuals are interacting with NFTs, CBDCs, liquidity, payments, compliance, and more in our changing world.

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Read the latest blog posts on Ripple Insights

Ready to get started?

Contact a member of our team to learn how Ripple’s CBDC platform can help you implement a secure, inclusive, sustainable solution tailored to meet your needs in a changing financial world.