Cross River Bank partnered with Ripple on October 15, 2026, to integrate the RLUSD stablecoin into its proprietary Core Operating System. The connection gives fintech clients access to US dollar-to-RLUSD conversion and XRP Ledger clearing through the bank’s existing payments hub and a single API. Cross River says clients do not need to operate blockchain nodes, manage private keys or arrange third-party crypto liquidity. Its core system screens transactions for compliance before they reach the public ledger. The rollout is limited to select US states as the bank navigates differing state requirements. It also arrives amid federal rulemaking under the GENIUS Act. The Office of the Comptroller of the Currency finalized a framework covering reserves, capital backstops and custody, while the Federal Reserve proposed a different approach to issuer capital and reserve structures. Stablecoin holdings remain distinct from FDIC-covered bank deposits: the applicable framework requires segregated reserves and prohibits rehypothecation.