Ripple Labs Inc. builds blockchain-based payment infrastructure that connects the world’s disparate financial systems to enable fast, secure, and low-cost movement of value across borders. Through its global enterprise network, RippleNet, institutions can send and settle payments in any currency with significantly lower fees and settlement times than legacy systems. Ripple leverages the XRP Ledger and optional liquidity solutions to optimize cross-border transactions, delivering a more efficient and frictionless experience for banks, payment providers, and corporates.