Real‑time value orchestration

Make money move like information.

Rippl3 provides API‑first services that let fintechs, marketplaces, enterprises, and banks orchestrate instant settlements, global payouts, and programmable compliance—all without rebuilding your stack. We also consult and integrate banks with XRPL infrastructure.

SDKs: JS • Python • Go 99.99% uptime SLO PCI‑ready patterns KYC/KYB hooks Bank integration consulting
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• Global FX rails • Compliance mesh • Treasury sync • Real‑time risk • ISO 20022 • XRPL integration • Solana support

One platform, three primitives.

Assemble real‑time money movement from minimal building blocks. Ship faster with sane defaults, observability, and guardrails from day one.

Settlements

Instant or near‑instant settlement workflows across ACH, wires, RTP, and on‑chain rails including XRPL (XRP Ledger) integration. Smart routing selects the optimal path for cost and speed.

  • ✓Adaptive routing by corridor
  • ✓Idempotent transfers & retries
  • ✓Ledger‑grade audit trail
  • ✓XRPL payment channels & trust lines

Payouts

Mass payouts to contractors, creators, and merchants in 190+ countries with tax & sanction screens built‑in. Convert FX at execution.

  • ✓Beneficiary onboarding (KYC/KYB)
  • ✓Real‑time status webhooks
  • ✓Reconciliation APIs

Compliance

Composable checks for KYC, KYB, AML, and travel rule. Built as a mesh—swap vendors without re‑plumbing your stack.

  • ✓Workflow engine
  • ✓Case management
  • ✓Audit & SAR exports

Built for modern teams

Whether you're building marketplaces, fintech products, or enterprise solutions, Rippl3 adapts to your needs.

Marketplaces

Split payments, hold in escrow, and release on delivery. Offer creators same‑day payouts globally.

Fintechs

Embed accounts, cards, and cross‑border FX. Outsmart bank core constraints with a modern orchestration layer.

Enterprises

Automate treasury flows, intercompany settlements, and supplier payouts with line‑of‑business autonomy.

Creators & Platforms

Distribute revenue instantly with chargeback protection and light‑touch onboarding.

Banks & Financial Institutions

We consult and integrate your bank with XRPL (XRP Ledger) infrastructure—payment channels, DEX integration, trust lines, and cross‑currency settlements. Modernize your core with real‑time ledger connectivity.

Developer-first API

Simple, powerful, and built for scale. Get started in minutes with our intuitive API.

# Create a payout
POST /v1/payouts
{
  "amount": "250.00",
  "currency": "USD",
  "destination": {"network":"ach","account":"****1024"},
  "metadata": {"order":"PO-8821"}
}

# Webhook example (delivered with HMAC)
POST /v1/events
{
  "type": "payout.settled",
  "data": {"id":"po_123","settled_at":"2025-08-14T16:22:10Z"}
}

Security & Observability

  • ✓OAuth2 + fine‑grained API keys
  • ✓HMAC‑signed webhooks
  • ✓Idempotency keys
  • ✓Audit log streaming

Request early access

Tell us about your use case and volume. We'll follow up with a short call and sandbox credentials.

Note: Rippl3 is an independent project and is not affiliated with Ripple Labs, Inc. or ripple.com.

Frequently asked questions

Everything you need to know about Rippl3.

Are you related to Ripple (ripple.com)?

No. Rippl3 is an independent project. We admire the mission of real‑time value movement and we're building interoperable tooling. There is no affiliation or endorsement implied.

How do you handle compliance?

We integrate with top‑tier vendors for KYC/KYB/AML and provide a mesh abstraction so you can switch providers with minimal code changes.

What's the pricing model?

Transparent usage‑based pricing with volume discounts. Early access is free for sandbox use.