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Representation of Ripple connecting people and cities

Ripple and Qubika’s partnership to add new money transfer destinations

Ripple, a cryptocurrency-based money-transfer platform that has gained prominence among banks and financial institutions, collaborated with Qubika to tackle the challenge of expanding their services to new geographies.

Qubika’s specialists in fintech, financial services, and systems integration joined forces with Ripple’s software development team. This successful partnership effectively addressed market demands and bolstered Ripple’s global reach.

Studios involved

  • Platform Engineering
  • Quality Assurance


  • Integration of crypto exchanges
  • Automated testing platform
  • Feasibility study and API analysis
Ripple logo
The business impact of Ripple, powered by crypto

The Challenge

Ripple has evolved from a lesser-known cryptocurrency-based money-transfer platform to a global service used by prominent banks and financial institutions such as American Express, MoneyGram, PNC, and Santander. As a fintech company, they facilitate instant cross-border payments, remittances, and the interaction between crypto and fiat systems through the use of XRP—a cryptocurrency inherent to the Ripple payment network.

The significant growth led Ripple to collaborate with Qubika to meet new market demands. The primary goal was to add new geographies, such as Brazil, as a money transfer destination, necessitating the integration of new cryptocurrency exchanges. Qubika’s Platform Engineering Studio, with specialists in fintech and financial services, joined forces with Ripple’s software development team to address this pressing demand.

Fintech software development by Qubika for Ripple


Qubika’s Platform Engineering Studio, with specialists in fintech, financial services, and systems integration, started the process of adding new transfer destinations. The process of integrating a new destination encompasses several complex business and technology challenges. These include identifying a suitable crypto exchange, conducting a feasibility study to assess the compatibility between the exchange’s API and Ripple’s requirements, analyzing potential risks, negotiating with the crypto exchange, formulating a systems integration plan, and ultimately development and integration.

Fast integration

Within just six months, Qubika effectively integrated three crypto exchanges into the Ripple network, encompassing Brazil (Modiax), the Philippines (, and Australia (BTC Markets). The process involved close collaboration with the client and potential providers to:

  • Identify and document disparities between prospective APIs and the client’s needs.
  • Gather and document system integration requirements.
  • Develop the necessary software components to fulfill the integration requirements.
  • Create automated tests to ensure the new integrations worked as expected.

Standardizing automated testing

As we were adding new money transfer destinations, Qubika’s QA Studio also embarked on building a new testing platform. This platform standardized automated testing across the Ripple network. It involved creating a Ripple network example in a testing environment, which various services used to test transactions and verify their proper functioning.


By partnering with Qubika, Ripple efficiently addressed market demands by expanding its money transfer destinations. The integration of three crypto exchanges allowed Ripple to enter key markets, such as Brazil, the Philippines, and Australia, thereby widening its global reach. The successful standardization of automated testing enhanced the overall reliability and efficiency of the Ripple network.


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