Ripple plans to enter Australian regulated payments market

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Ripple targets Australia market

Ripple strengthens its position in the Australian market

Obtaining the AFSL licence is linked to Ripple planned acquisition of BC Payments Australia Pty Ltd, which is currently going through standard closing procedures. Once the deal is completed, Ripple will be able to use the licence to expand the Ripple Payments service and offer regulated payment services in Australia.

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“Licensing is fundamental to Ripple’s strategy, ensuring we can deliver secure, compliant solutions to customers worldwide,” said Fiona Murray, Managing Director of Ripple Asia-Pacific. “Australia is a key market for Ripple, and an AFSL strengthens our ability to scale Ripple Payments across the region. By leveraging blockchain technology and digital assets, we enable customers to move value globally with greater speed, transparency, and reliability. We remain focused on working closely with regulators to support the next phase of growth for digital asset infrastructure.”

With the AFSL licence, Ripple will be able to control the full lifecycle of a payment transaction — from customer onboarding and regulatory compliance to foreign exchange operations, liquidity management, and final settlement. The platform integrates traditional banking rails with digital asset tools, which could significantly accelerate international settlements and simplify operations for corporate clients.

Regulation becomes a key driver of growth

Ripple already works with several Australian companies, including Hai Ha Money Transfer, Novatti Group, Stables, Caleb & Brown, Flash Payments, and Independent Reserve. According to the company, Ripple payment volumes in the APAC region nearly doubled in 2025, reflecting growing demand for alternative cross-border payment solutions.

Today, Ripple holds more than 75 regulatory licences worldwide, making it one of the most licensed companies in the digital asset industry. This regulatory footprint allows the platform to work with banks and payment operators for whom strict compliance requirements remain a key condition for cooperation.

What the licence means for the digital asset market

Ripple strategy reflects a broader trend in the crypto industry toward operating in regulated financial environments. Major players increasingly seek licences in different jurisdictions to attract institutional clients and integrate blockchain solutions into existing financial infrastructure.

The Asia-Pacific region is considered one of the most dynamic markets for cross-border payments. According to industry analysts, the global market for such transactions amounts to tens of trillions of dollars annually, while banks and fintech companies are actively adopting new technological solutions, including blockchain, to accelerate settlements and reduce costs.

If Ripple secures the AFSL licence, the platform will be able to directly manage settlements and optimize payment routes without relying on multiple intermediaries. For banks and fintech companies, this could mean faster transfers, greater transparency, and lower operational costs, further increasing interest in blockchain-based financial infrastructure.

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