Ripple Payment and Chipper Cash link cross-border rails to expand digital settlement flows into Africa

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• Ripple integrates with Chipper Cash to enable crypto-settled remittances across nine African markets using tokenized liquidity rails.
• Chipper Cash users can now access 24/7 inbound payments via Ripple’s digital asset infrastructure and blockchain-based settlement layer.

Ripple Labs Inc. has announced a payment integration with Chipper Cash, connecting its on-chain settlement rails to one of Africa’s most active fintech corridors. The move allows Chipper’s user base—spanning nine African markets—to receive crypto-enabled inbound transfers using Ripple Payments, the company’s tokenized liquidity product.

The rollout introduces 24/7 fund accessibility, eliminating reliance on traditional clearing systems. Chipper Cash, with over five million active accounts, will now leverage real-time digital asset conversion to process international remittances at lower cost.

Ripple’s liquidity model bypasses correspondent banking by bridging fiat through blockchain-based value exchange. This structure reduces exposure to pre-funding requirements and provides faster access to working capital across borderless payment routes.

According to the firm, the deployment increases Ripple’s Africa footprint following a prior deal with Onafriq in 2023. The new integration extends Ripple’s fiat-to-crypto reach in mobile-first regions, where currency mismatch, remittance bottlenecks, and volatility hedging remain operational concerns.

“Our partnership with Chipper Cash marks a key milestone in the expansion of Ripple’s business in Africa. Consumers and businesses across the continent are increasingly recognizing the potential of blockchain technology, and we are excited to bring our crypto-enabled payments solution to our partners in the region,” said Reece Merrick, Managing Director, Middle East and Africa, at Ripple.

Ripple Payments, operating under licensed money transmission frameworks, currently enables payouts in over 90 regulated jurisdictions. The firm claims throughput exceeding $70 billion in processed flows, with support for institutional-grade compliance infrastructure.

Chipper Cash gains access to Ripple’s tokenized liquidity rails, enabling global senders to offload local currency into on-chain assets and redeem against fiat at destination endpoints. This mechanism avoids the friction of closed-loop networks and allows capital to move across markets with reduced delay.

Chipper’s CEO, Ham Serunjogi, emphasized the role of blockchain-based infrastructure in cost compression and market reach. For Ripple, the integration aligns with its long-term strategy of embedding digital settlement architecture within fiat-based payment systems.

“Crypto-enabled payments have the potential to enable greater financial inclusion, accelerate access to global markets, and empower businesses and individuals across Africa,” said Ham Serunjogi, Co-Founder & CEO at Chipper Cash. 

The deal illustrates a broader shift among payment processors adopting stablecoin-backed corridors and liquidity routing tools for high-volume remittance channels. With regulatory coverage across multiple fiat zones, Ripple positions its stack to serve as a back-end payment layer for institutions with fragmented cross-border flows.

Both firms will continue onboarding liquidity partners and fiat off-ramps in target regions to expand transactional throughput and reduce operational drag.