Ripple Partners with DXC to Enhance Banking Technology

TLDR

• Partnership announced on January 21, 2026, for banking integration.
• Over $5 trillion in deposits managed by DXC's Hogan platform.
• Focus on programmable payments and digital asset transfers.

Ripple and DXC Technology have announced a strategic partnership to integrate Ripple's blockchain custody and payments technology into DXC's Hogan core banking platform. The collaboration was revealed on January 21, 2026, and aims to streamline traditional banking systems with modern digital asset solutions.

According to a press release, the integration involves Ripple's XRP, RLUSD, and XRP Ledger capabilities. These technologies will be embedded into a system that handles over $5 trillion in deposits and serves 300 million accounts worldwide.

Key Players and Their Roles

Joanie Xie, Vice President and Managing Director for North America at Ripple, and Sandeep Bhanote, Global Head and General Manager of Financial Services at DXC, are the key figures in this alliance. Xie leads Ripple’s operations in North America, leveraging her experience in scaling cross-border solutions like Ripple Payments.

Bhanote spearheads DXC's financial services division, which focuses on updating banking infrastructure. DXC's Hogan platforms are widely used by nearly 6,000 clients in both the public and private sectors.

Goals of the Strategic Partnership

The partnership enables banks and fintech companies to adopt features like programmable payments, tokenization, and digital asset transfers without overhauling existing systems. "Banks are under increasing pressure to modernize while continuing to operate on complex infrastructure," stated Joanie Xie.

"For digital assets to move into the financial mainstream, institutions need secure custody and seamless payment capabilities," said Sandeep Bhanote. This collaboration facilitates banks' participation in the digital asset ecosystem at an enterprise scale.

Features and Technological Integration

The collaboration focuses purely on technology integration rather than financial commitments. Ripple's XRP serves as the main digital asset for payments and liquidity, supported by its stablecoin RLUSD.

Tokenized Real World Assets (RWAs) on the XRP Ledger are also part of the integration. The technology leverages the blockchain for efficient cross-border settlements and digital asset custody.

Scope and Potential Impact

The partnership positions itself as a novel bridge bringing XRP into core banking operations without necessitating system changes. With Hogan managing $5 trillion in deposits, this suggests significant potential volume impact for XRP, though real-time metrics are currently unavailable.

Affected assets include XRP and RLUSD, with no mention of ETH, BTC, or unrelated altcoins. The integration aims to enhance XRP Ledger’s DeFi and governance protocols.

In summary, the partnership marks a significant step in integrating digital asset solutions into traditional banking infrastructure. Though specific financial details remain unspecified, the focus on technical synergy heralds new capabilities for banks eager to modernize.