Hong Kong Financial Innovation Program

That non-dilutive grant I was talking about.
Sorina Dumitru PhD

Hi there.

You’re here because I sent you here to apply for the Brinc x Ripple Program dedicated to driving real-world on-chain activity in the Ripple ecosystem.

We’re talking real s**t, not hype. Practical uses cases, right?

The Hong Kong Financial Innovation Program is a 12-week accelerator co-run by Brinc and Ripple, designed for early-stage startups building real-world financial applications on the XRP Ledger (XRPL). The program targets founders working in payments, tokenization, institutional finance, credit, custody, compliance, and Web3 infrastructure.

Below is The List of Priority Verticals:

Financial use cases that drive on-chain activity on XRPL

Payments & FX: cross-border, remittances, payroll, merchant settlement, stablecoin rails, orchestration.

Credit & Lending: on-chain lending protocols, credit scoring, undercollateralized lending, infrastructure.

Stablecoin Integration: RLUSD & other on/off ramps, treasury, stablecoin-native products, yield, EUR stablecoin.

AI & Agentic Commerce: agent-to-agent payments (x402), AI-native financial products, autonomous transactions.

Tokenization & Capital Markets: RWA, securities tokenization, collateral management, institutional DeFi.

DeFi: AMM, DEX, vaults, derivatives, on-chain finance primitives.

Infrastructure & Tooling: wallets, oracles, analytics, compliance / KYC, bridges, developer SDKs.

Now it's time for the fit check. Answer the questions below.

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