Via Ripple Payments (popularly referred to as On-Demand Liquidity), Ripple’s tech stack gains access to a flurry of well-known banking institutions. Mid 2026 gives us a crystal clear picture of which banks have already found practical benefits in doing so:
- Santander – one of the heaviest SWIFT users, utilizing the ODL via One Pay FX and broader Ripple Payments in rapidly-growing economic areas like Latin America and Southeast Asia.
- Standard Chartered – the British banking behemoth has been vocal in the belief of XRP coin’s growth in the longer term, having both tested & deployed the XRP-based ODL line in Asia.
- HSBC – one of the most established British banks has adopted ODL elements in specific partnership setups, especially in Asian-Pacific remittance corridors with immersive success.
- Deutsche Bank – had several XRP-based liquidity pilots running simultaneously, mostly focused on cross-border trials and enterprise services for European Union-based establishments.
Other prominent banks building ties with Ripple via the ODL technique include Bank Of America, SEB, SBI Remit, Canadian Imperial Bank of Commerce, Siam Commercial Bank & plenty more.
Best Of Both Worlds: SWIFT’s Shared Orchestration
Acting as the plug connecting various banking liquidity on both traditional and digital payment rails, SWIFT’s key focus is coordination between them. As described by SWIFT’s Digital Assets Business Lead Avalon Ingram: “customer expectations are changing, with cross‑border payments increasingly expected to be 24/7 and real‑time.”
Ultimately, major SWIFT banks are already blending the two ecosystems. Ripple’s XRP ODL isn’t replacing SWIFT – it’s filling the liquidity holes that the traditional financial system cannot solve efficiently. This kind of adoption is corridor-specific & rapidly-growing where the economics make sense, but is ultimately targeted at worldwide use in the coming years.
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