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Deutsche Bank plans to expand its use of Ripple’s blockchain-based infrastructure to modernize cross-border payments and improve settlement efficiency. According to a report, the Frankfurt-based lender plans to integrate Ripple-linked infrastructure for faster messaging, routing, and liquidity tools, while keeping token exposure separate.
The report ties the potential integration to a social media post from a developer known as “Bird,” who said Deutsche Bank will “work with Ripple” on cross-border payment infrastructure.
The post also suggested that some partnership nondisclosure agreements are expiring, enabling more institutions to speak publicly about pilots and rollouts.
Deutsche Bank has not published a press release that confirms a Ripple partnership on its main media page as of February 19, 2026. Public communications from the bank also show multiple payment projects in progress, so readers should treat the Ripple claim as unconfirmed until Deutsche Bank or Ripple issues a formal statement.
Deutsche Bank already uses blockchain-based settlement technology in production settings. In September 2025, it announced its first euro-denominated cross-border payment on Partior’s blockchain platform, completed with DBS. The bank described the transaction as a milestone for its future cross-border offering for financial-institution clients.
In the report, Deutsche Bank Executive Ciaran Byrne said the bank expects “a future using multiple rails," such as SWIFT, stablecoins, and blockchain solutions, with routing that improves efficiency, cost, and client experience.
Deutsche Bank also participates in SWIFT’s work on a blockchain-based shared ledger. SWIFT said it began building the concept with “more than 30” financial institutions and named Deutsche Bank among the banks providing input on the design.
SWIFT CEO Javier Pérez-Tasso said SWIFT will keep upgrading current rails while building “the infrastructure stack of the future.”
Separate from payments, Deutsche Bank has prepared a digital-asset custody offering for institutional clients. A July 2025 report said the bank aimed to launch a custody service in 2026 and work with technology partners to build it.
The plan fits the bank’s broader pattern of adding regulated infrastructure alongside core transaction banking services.
If Deutsche Bank uses Ripple’s enterprise software, it would not automatically mean Deutsche Bank will hold or use XRP. The same February 19 report explicitly said Deutsche Bank would rely on Ripple’s software stack rather than adopt XRP at this stage.
Still, increased use of Ripple-branded infrastructure can raise awareness of on-demand liquidity models and other ecosystem products, including Ripple’s US dollar stablecoin, RLUSD. Market data trackers showed RLUSD near a $1.52 billion market capitalization around the same period.
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