Deutsche Bank Integrates Ripple's Blockchain Infrastructure Across Cross-Border Payments

Deutsche Bank, Germany's largest lender with over $1.6 trillion in assets, has adopted Ripple's blockchain-based payment infrastructure to improve its cross-border transactions, foreign exchange operations, and digital asset custody services.

The bank has been a long-time advocate for the use of distributed ledger technology (DLT) in global payments, having completed its first euro-denominated cross-border transaction on Partior's blockchain platform in September 2025. This latest integration with Ripple builds on Deutsche Bank's multi-rail approach, where it envisions using multiple technologies, including SWIFT and stablecoins, to optimize transactions.

While this adoption of Ripple's infrastructure is a significant endorsement for the company, XRP has declined by 30% in February. The reason behind this decline may lie in the fact that Deutsche Bank is not using Ripple's On-Demand Liquidity (ODL) service, which requires the use of XRP as an intermediary asset.

The ODL service allows banks to convert local currency into XRP, move it across the XRP Ledger, and then convert it back into the recipient's currency. However, this process takes months to years per institution, and Deutsche Bank has not confirmed its plans to use ODL in conjunction with Ripple's infrastructure.