XRP · XRP
XRP for business: built for settlement from day one
XRP was designed as a settlement asset before 'crypto payments' was an industry — three-to-five-second finality, negligible fees, and a ledger built for moving value between institutions. Businesses hold it for exactly that pedigree.
.svg){kind=small}
The XRP Ledger has processed payments since 2012, making it one of the longest-running blockchains in production. Its design goals were institutional from the start: fast finality (transactions settle in seconds), throughput suited to payment volume, and fees so small they round to zero. Ripple, the company most associated with the ledger, has spent a decade selling cross-border settlement to financial institutions on that foundation.
For businesses, XRP occupies a specific niche: a deeply liquid, payments-first asset with US regulatory clarity improving markedly since the courts addressed its status in 2023, and an institutional story — including bank-grade custody partnerships and an expanding RippleNet — that corporate treasurers can actually explain upward.
Why businesses hold XRP
The settlement thesis: companies moving value across borders hold XRP as a bridge asset — bought on one side, moved in seconds, sold on the other — or simply as exposure to the network betting on that model at institutional scale. Its liquidity depth means business-size positions enter and exit cleanly, which our desk handles at firm quotes in both directions.
There's also a straightforward commercial reality: XRP has one of the largest, longest-tenured holder bases in crypto. Businesses serving that audience — exchanges, payment apps, media — end up holding and transacting XRP because their customers do.
How businesses use XRP
Cross-border value movement
Use XRP's seconds-fast, near-free settlement as a bridge for moving value between markets, with desk conversion anchoring each end in dollars.
Treasury position with deep liquidity
Hold XRP as a liquid strategic position — one of the few altcoins with enough market depth for size to exit same day at a firm quote.
Serving XRP-native customers
Accept XRP from a large and loyal holder base, converting receipts to USD the same day or holding as policy allows.
Payment rails
Move money around your XRP position
Fund XRP purchases by business wire or card, and settle sales back to USD the same day — with branch service for the workflows that need it.
Money in — buy crypto
- Business wire (Fedwire)Bank-to-bank funding at any size — the rail for serious purchases.
- Debit & credit cardsBusiness cards accepted for fast, smaller buys — minutes to position.
- Cash at a branchHandled in person, compliantly, at our Atlanta and Miami offices.
Money out — off-ramp to USD
- Same-day ACH, Fedwire & RTPDollars in your operating account the day you sell — RTP can post in minutes.
- Cashier's checkBank-issued paper for closings, escrow, and counterparties who want it.
- Cash at a branchIn-person cash service with standard ID and reporting, at our branches.
Business Mastercard® debit cards are also available for spending from your account. About business cards →
XRP for business — FAQ
Is XRP's US regulatory situation resolved enough for a business to hold it?
The 2023 court rulings materially clarified XRP's status in secondary-market trading, and US platforms — including ours — support it. Your counsel makes your policy; operationally, buying, holding, and selling XRP here is routine.
How fast do XRP transactions actually settle?
The ledger finalizes in roughly three to five seconds with fees of fractions of a cent — among the fastest settlement of any major asset, which is precisely what it was designed for.
Can we buy XRP in size through the desk?
Yes. XRP's market depth supports block execution well: request a quote, fill at the firm price, and settle — same process in reverse when it's time to exit.
How do we cash XRP out to the company bank account?
Sell at a desk quote and settle same day by Fedwire, RTP, or ACH — with cashier's checks and branch cash service available for off-rail workflows.
Put XRP to work
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
.svg){kind=small}
Add XRP to your company's balance sheet
Open a business account — most are approved the same day — and buy XRP by wire or card with desk execution behind it.
Important Disclosures
- Cryptocurrencies and stablecoins are not FDIC-insured deposits, are not bank guaranteed, and can involve risk, including possible loss of value.
- Cryptocurrency transactions are irreversible once confirmed. Verify all details before sending.
- Business verification (KYB) is required to open an account; approval timing depends on the completeness of your application and the complexity of your entity structure.
- Settlement timing depends on payment method, banking cutoffs, and your bank's participation in the relevant network. Same-day settlement is available for transactions confirmed within banking-hour windows.
- Third-party company, platform, and fund names are referenced for identification and description only; no affiliation, sponsorship, or endorsement is implied. All trademarks belong to their owners.
- Anytime Capital is a licensed money services business. Information on this page is educational and is not financial, legal, or tax advice.