Unlocking Opportunity Together
Access changes everything
Powered by a $15 million contribution from Ripple in its RLUSD stablecoin, Accion Opportunity Fund is expanding access to affordable capital, digital tools, and learning for small business owners historically left out of the financial system.
Opportunity
Ripple is empowering Accion Opportunity Fund (AOF) to scale what it does best: deliver affordable capital, trusted advising, and personalized learning opportunities to underserved small business owners.
The result is a growing ripple effect, where access to financial tools and education fuels stronger businesses, job creation, and more vibrant communities.
Research on Digital Adoption and Access for Underserved Small Businesses
Digital tools are now ‘must have’ for small businesses. Discover which tools matter most.
Ripple Effect
Powered by a $15 million contribution from Ripple in its RLUSD stablecoin, Accion Opportunity Fund is expanding access to affordable capital, digital tools, and learning for small business owners historically left out of the financial system.
Ripple Effect: The Macroeconomic Impact of Small Business Lending
Discover how AOF’s small business lending positively impacts the U.S. economy.
Stories
These numbers come to life through the small businesses creating jobs, serving communities, and growing sustainably.
Woodfire Pies
What started as a backyard pop-up during the pandemic grew into a thriving wood-fired pizza business, fueled by community support, resilience, and a commitment to feeding people with heart.
“Without AOF, this wouldn’t have been possible—the process was straightforward, and it helped us bring our vision to life.”
Ace High Co
A passionate team’s pursuit of better grooming products became a successful business, scaling authentic, small batches into a wider market and community.
“We’d still be in business with just the loan. But we wouldn’t be seeing this kind of growth without the accelerator program, and I don’t think we’d feel as inspired as we have since completing it.”
Bencasso
A lifelong artist transformed decades of creative work into a digitally powered business, using new tools to expand his reach, diversify income, and support other creatives.
“There were things I wanted to do—build programs, market them, get sponsors—but I didn’t have the resources. Now it’s starting to come together.”
Apollo Office Systems
A family-run office technology company evolved from copiers to AI-powered solutions, using digitization to survive disruption and deepen its impact on customers and community.
“The AOF loan was a life preserver for us. It really, really helped keep us in business.”
For Small Businesses
AOF gives small business owners the capital, guidance, and tools they need to grow and succeed.
Loans
Ripple Digital Leap Forward Accelerator
Business Advising
Business Resource Center
About the Partnership
Together, Ripple and AOF are demonstrating how strategic contribution and strong partnerships can unlock opportunity at scale.
Ripple’s contribution supports AOF’s proven model for serving small businesses through:
Ripple aims to enable global financial institutions, businesses, governments, and developers to store, move, and exchange value, unlocking greater economic opportunity for everyone, everywhere.
They focus on blockchain-based payment and liquidity solutions to make financial systems faster, more accessible, inclusive, and efficient.
Our Mission
Build breakthrough crypto solutions for a world without economic borders.
Accion Opportunity Fund (AOF) provides affordable capital, business advising, educational resources, and support networks to small business owners who often can’t access traditional financing.
They also advocate for a financial system where small business owners from all backgrounds can thrive, helping small businesses grow, create jobs, and strengthen local economies.
Our Mission
Advance economic mobility for underserved small business owners and communities through affordable financial services, knowledge resources, networks, and policy advocacy.