Banks add XRPL rails to Hogan core

Global banks are moving blockchain payments closer to everyday use as the ripple dxc integration embeds digital asset rails into widely deployed core banking systems.

Ripple and DXC link blockchain rails to core banking

Ripple and DXC Technology have agreed a strategic partnership to connect blockchain payments with existing banking infrastructure. The alliance links Ripple’s digital payments stack directly to DXC’s Hogan core banking platform, which is used by major financial institutions worldwide.

Hogan currently supports more than $5 trillion in deposits and over 300 million bank accounts globally. As a result, integrating Ripple’s technology places XRP-powered payments and RLUSD settlement tools inside systems already trusted by tier-one banks. This occurs without forcing institutions to abandon or replace their legacy frameworks.

According to the announcement amplified by XRPLoom on January 22, 2026, the tie-up aims to deliver secure, instant and low-cost digital transfers using the XRP Ledger (XRPL). Moreover, positioning these capabilities within core banking software moves blockchain from pilot projects into everyday transaction processing.

How the integration works for banks

The partnership enables banks to run blockchain payments core banking workflows directly through Hogan while continuing to use their current core infrastructure. Ripple’s tools, including XRP and RLUSD payments, will be available as additional rails, rather than as a separate or parallel system.

DXC built the integration for enterprise-scale throughput, supporting high transaction volumes typical of large retail and commercial banks. Moreover, the design extends beyond payments to cover digital asset custody and management of tokenized assets, allowing institutions to consolidate operations within one controlled environment.

This architecture seeks to lower the technical and operational barriers that have slowed enterprise blockchain payments. Instead of deploying standalone crypto platforms, banks can extend their existing services, preserving compliance processes and operational stability while adding new capabilities.

XRP and RLUSD move into institutional workflows

XRP remains central to Ripple’s cross-border settlement offering, and the Hogan connection pulls it closer to regular banking workflows. Within this setup, XRP can be used for liquidity and settlement, while RLUSD, Ripple’s U.S. dollar stablecoin, can play roles in collateral and payout processes.

The move fits into Ripple’s broader institutional roadmap. Recently, the company committed $150 million to LMAX Group to support RLUSD adoption in institutional markets. That said, within LMAX venues, RLUSD is being positioned as a collateral asset for foreign exchange trading, linking digital liquidity to traditional FX infrastructure.

Additionally, Binance has listed RLUSD, initially through ERC-20 trading pairs, with plans to enable XRPL network support later. Since launch, RLUSD’s market capitalization has grown to roughly $1.4 billion, signaling early demand from market participants for regulated stablecoin liquidity.

Bridging legacy finance with onchain infrastructure

The ripple dxc integration is structured to connect legacy banking systems with blockchain infrastructure while minimizing disruption. Instead of replacing core software, the model embeds blockchain services within a regulated, existing framework that banks already use for deposits, lending and payments.

This embedded model opens paths for new services beyond straightforward transfers. Moreover, banks can deploy tokenized assets, automated refunds and digital loyalty rewards on top of their current stacks, experimenting with onchain features while retaining familiar risk and control structures.

Ripple also continues to fund ecosystem growth around the XRP Ledger. A recent collaboration with UC Berkeley created the Digital Asset Xcelerator, an initiative focused on research, development and institutional use cases that push XRPL deeper into capital markets and banking applications.

Regulation, markets and long-term positioning

The alliance is unfolding amid a shifting regulatory landscape. Recently, the United Kingdom granted Ripple a regulatory permission that supports its expansion plans. Moreover, regulatory clarity remains a crucial precondition for banks considering new crypto-linked services.

In parallel, Ripple secured Luxembourg EMI approval, enabling it to scale regulated cross border payments services across the European Union. This combination of licensing in multiple jurisdictions strengthens confidence that the technology can fit into supervisory expectations for payments and custody.

Market conditions, however, remain volatile. Bitcoin recently dropped to less than $90,000, triggering mass liquidations across derivatives venues and spot markets. That said, institutional infrastructure work continues regardless of price swings, reflecting a shift toward long-term integration rather than speculative cycles.

Outlook for banks and digital assets

By wiring blockchain capabilities into a major core platform like Hogan, Ripple and DXC are betting that banks will prefer integration over full-system replacement. The focus on custody, tokenization and payments suggests a roadmap where digital assets become part of standard banking menus.

In summary, embedding blockchain rails inside existing systems may accelerate institutional adoption. If banks can tap tokenized assets banking services and new settlement options without overhauling core infrastructure, the path from pilot projects to production use could shorten significantly.