DXC Technology has formed a strategic partnership with Ripple to integrate digital asset custody and payment capabilities into its Hogan core banking platform. This collaboration enables financial institutions to access blockchain and digital asset technology without replacing their existing core systems. The integration connects traditional banking infrastructure with modern blockchain networks, allowing banks to offer cutting-edge services while maintaining operational stability.
DXC’s Hogan platform currently supports more than 300 million deposit accounts and manages over $5 trillion in deposits globally. The new partnership adds Ripple’s digital asset capabilities directly into this established system, creating a seamless bridge between conventional banking and emerging blockchain solutions.
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Bridging Legacy Systems with Blockchain Innovation
Banks face increasing pressure to modernize their technology while maintaining the stability of complex existing infrastructure. The DXC-Ripple partnership addresses this challenge by embedding digital asset functionality directly into core banking environments that financial institutions already trust. This approach provides what DXC calls “last-mile connectivity” between regulated banking infrastructure and digital asset platforms.
The partnership moves blockchain applications beyond pilot programs into full production environments. This shift helps financial institutions implement digital asset capabilities at scale without disrupting their existing operations. Banks can now offer tokenization, custody, and transfer of digital assets through their current systems.
Additionally, the integration simplifies access for fintech companies that rely on banking partnerships. These firms can now more easily establish the banking relationships required for compliant custody and payment solutions, further expanding the digital asset ecosystem.
For digital assets to move into the financial mainstream, institutions need secure custody and seamless payment capabilities. Our work with Ripple brings those capabilities together in a way that allows banks to engage in the digital asset ecosystem without changing their core systems, connecting traditional accounts, wallets and decentralized platforms at enterprise scale.
Sandeep Bhanote – Global Head and General Manager of Financial Services at DXC
Comprehensive Digital Asset Capabilities
The integration includes several key Ripple products and services. Ripple Payments, a licensed cross-border payment offering, manages fund flows on behalf of customers. Ripple Custody targets banks and financial institutions with secure management solutions for digital assets, stablecoins, and Real World Assets.
Another notable component is RLUSD, Ripple’s stablecoin, which provides a stable digital currency option within the integrated system. The partnership also incorporates XRP, Ripple’s cryptocurrency, across various functions of the platform.
The integration allows banks to implement programmable payments, which add new flexibility to financial transactions. This programmability enables automatic execution of payment terms based on predefined conditions, increasing efficiency and reducing manual processing requirements.
Part of a Broader Industry Shift
DXC’s partnership with Ripple reflects a growing industry trend toward enhancing established core banking platforms rather than replacing them entirely. Other major banking technology providers have made similar moves, with companies like Finastra and Fiserv partnering with firms such as Circle to integrate stablecoin capabilities into their platforms.
This approach addresses the rising demand from both corporate and retail banking customers for faster payments, improved cross-border services, and digital asset products. At the same time, it helps banks meet growing expectations around controls and compliance in the rapidly evolving digital asset space.
DXC has also partnered with Euronet to further enhance the Hogan platform, though specific details about that integration remain limited. The combination of these partnerships positions DXC’s Hogan platform as a comprehensive solution for banks looking to embrace digital asset technology while maintaining their existing core systems.
Transforming Banking Without Disruption
The DXC-Ripple partnership represents a practical approach to financial innovation. Rather than requiring banks to undertake risky and expensive core system replacements, this integration allows them to add new functions through existing software. Financial institutions can now offer cutting-edge digital asset services while preserving their operational foundation.
This collaborative model creates a pathway for banks to move beyond experimental blockchain projects into production environments with regulated digital asset use cases. The approach combines the stability of established banking infrastructure with the innovation of blockchain technology.
As digital assets continue to gain mainstream acceptance, partnerships like this one between DXC and Ripple will likely play a crucial role in shaping the future of banking. By connecting traditional financial systems with blockchain networks, these collaborations help create a more integrated and efficient global financial ecosystem. Follow Genfinity for more updates on how technology partnerships are reshaping the financial landscape and enabling new possibilities for banks worldwide.
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