Grant Overview

The Ripple Digital Leap Forward Accelerator offers 50 US small business owners a $10,000 grant, but the money arrives only after you graduate from the program  not when you are accepted. That detail changes everything about how you should prepare. Built by Accion Opportunity Fund (AOF) and funded by Ripple, this is a structured eight-week virtual curriculum covering digital tools, automation, payments, and business systems. You leave with a personalized digitization roadmap for your specific business and the $10,000 to fund it.

Applications close on March 18, 2026 at 5:00 PM ET. With only 50 spots available nationwide, the quality of your application determines whether you get selected or left out.

Key Grant Information

Active

21 days left

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Unlocking Opportunity: Ripple Digital Leap Forward Accelerator

Funded by Accion Opportunity Fund | Ripple

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Grant Snapshot

Grant Award

$10,000

Application Deadline

March 18 2026 21 days left

Eligible Region

United States

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Eligibility and Benefits

Eligibility Criteria

• US-based small business owner
• Business operating for at least 1 full year
• Annual revenue between $100000 and $1500000
• 1 to 5 employees not counting the owner
• An active business website
• A dedicated business bank account
• Available for 2 to 4 hours per week from May through June 2026
• Not operating in a prohibited industry

Grant Benefits

• $10000
• Paid via ACH to your verified business bank account upon graduation
• 8 weeks of expert-led virtual sessions
• Personalized digital assessment and digitization roadmap
• AOF capital preparedness support
• Peer learning network with 49 other business owners

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Focus Areas

Digital Accelerator Small Business Grant Digitization Training

Do You Qualify for the Ripple Digital Leap Forward Accelerator?

The eligibility rules are strict. The checker below walks you through the revenue range, employee count, and document requirements so you know exactly where you stand before you invest time in an application.

If the checker confirms you qualify, the next move is not to open the application form immediately. With only 50 spots available nationally, how your application is written and how your documents are prepared matters. Our team reviews applications before submission — catching missing pages, revenue reporting errors, and positioning issues. Submit an assessment and we will tell you what your application needs. If you do not qualify, use our grant matching tool to find programs that fit your profile. If you are unsure about a specific situation, book a free consultation.

What You Actually Get — And When the Money Arrives

The $10,000 is tied to completion, not acceptance. You participate fully for eight weeks, you graduate, and then the grant hits your business bank account via ACH transfer. If you drop out halfway through, you do not receive the grant. There is no partial payment.

This structure is intentional. AOF builds their accelerators around a model where the cash funds an outcome you have already created. By graduation, you will have a personalized digitization plan. The $10,000 is the implementation budget for that plan. The time commitment is two to four hours per week across eight weeks — early May through late June 2026. Think honestly about your calendar. Dropping out mid-program costs you the grant and the time invested.

The Document Requirements — Where Applications Fail

AOF is clear: incomplete applications are not considered. There is no correction window. Three documents are required, and the tax return requirement causes the most confusion. What you upload depends on how your business files taxes:

The most common mistake: a sole proprietor uploads only the Schedule C and leaves out the 1040 cover pages. That is an incomplete submission. For corporate filers, uploading a summary instead of the full return is equally disqualifying. For the bank statement: all pages, downloaded as a bank-issued PDF — not a screenshot. Your business bank account is also where the $10,000 grant is deposited after graduation.

If you are uncertain which tax return pages apply to your entity type, that is exactly where a pre-submission review prevents a costly mistake on a $10,000 opportunity.

Submit an Assessment →

Prohibited Industries — 23 Categories and Gray Areas

The program lists over 23 excluded industry categories. Most are unambiguous. A few have edges that cause confusion.

The real estate exclusion targets businesses where rental income is the principal source of revenue. A bakery owner who rents one apartment on the side is likely not excluded. If your business sits in a gray area, book a free consultation and we will help you frame the question to AOF.

What the 8-Week Curriculum Actually Covers

The program is built for established businesses in the $100K to $1.5M revenue range that have operations, customers, and staff — but have not fully adopted digital tools. The curriculum covers:

This program includes educational content on stablecoin payments. Ripple funded this accelerator. The inclusion of stablecoin content reflects that relationship. It is not an investment class. It is educational context about emerging payment infrastructure. You do not need prior knowledge of crypto to participate.

Application Timeline

AOF notifies every applicant by mid-April — selected or not. That transparency lets you plan your next move promptly.

Frequently Asked Questions

Q: Is this a grant or a loan?
A: It is a grant. You do not pay it back. The $10,000 is yours after graduation.

Q: What counts as a functioning business website?
A: A basic website with your business name, services, and contact information almost certainly qualifies. A Facebook or Instagram profile alone is unlikely to meet the requirement.

Q: Do I need to know about cryptocurrency?
A: No. The curriculum includes an educational session on digital payments including stablecoins — you are learning about it, not using it. No prior knowledge is required.

Q: Can I apply if I have not filed business taxes yet?
A: Yes, if you meet the 1-year operational requirement. You can substitute your EIN registration letter, articles of incorporation, or a business license.

Q: Is Puerto Rico eligible?
A: The official page lists "United States". Some AOF Submittable forms include Puerto Rico, but it is not explicitly confirmed in the text. If you are in PR, verify with AOF before applying.

Q: Does immigration status affect eligibility?
A: Accepted ID types include permanent resident cards and matricula consular. AOF does not ask about immigration status in their accelerator programs.

Key Terms for This Small Business Digitization Grant

• Ripple Digital Leap Forward Accelerator: An 8-week virtual accelerator run by Accion Opportunity Fund, funded by Ripple, for 50 US small business owners. Graduates receive a $10,000 grant to implement a digitization plan.
• Graduation-Contingent Grant: A grant structure where funds are paid only after the recipient completes a defined program. The $10,000 in this accelerator is graduation-contingent. Dropping out forfeits the grant.
• ACH Transfer: Automated Clearing House — the electronic bank-to-bank payment network used in the US. AOF sends the $10,000 grant via ACH directly to participants' verified business bank accounts.
• RLUSD (Ripple USD Stablecoin): The digital currency Ripple used to fund AOF's donation. Participants receive US dollars — not RLUSD — when they graduate.
• CDFI (Community Development Financial Institution): A federally certified category of lender that serves underserved communities. AOF is a CDFI, meaning it is mission-driven and subject to federal oversight.
• Schedule C: The IRS form used by sole proprietors and single-member LLCs to report business income. For this application, Schedule C filers must upload the first two pages of their 1040 plus the Schedule C page.
• Submittable: The online grant application platform AOF uses. Creating an account is free. The full application form is only visible after logging in.
• Digitization Plan: The personalized roadmap each participant builds during the 8-week program. It identifies which digital tools and systems are most valuable for their business. The $10,000 grant is meant to fund this plan.
• Capital Preparedness Support: A program benefit where AOF helps participants understand their borrowing readiness and connect with AOF lending products if the grant is not enough.
• Prohibited Industry: A category of business explicitly excluded from eligibility. This program lists more than 23 categories including cannabis, firearms, lending, gambling, massage parlors, real estate investment businesses, and nonprofits.
• EIN (Employer Identification Number): A unique federal tax ID assigned by the IRS. For businesses that have not filed a tax return, an EIN registration letter is an accepted alternative document.
• Matricula Consular: A photo ID issued by Mexican consulates. It is explicitly listed as an accepted ID document, confirming immigration status is not a disqualifying factor.
• Stablecoin: A digital currency pegged to a stable asset like the US dollar. The accelerator curriculum covers stablecoin payments as an emerging payment option for businesses.
• XRP Ledger: The blockchain network developed by Ripple. Participants learn what it is and what it means for business payments, not how to interact with it directly.
• DBA (Doing Business As): A fictitious name registration. A DBA certificate is one of the accepted alternative documents for businesses that have not filed a tax return.

More Small Business Grants to Consider

If the Ripple Digital Leap Forward is not the right fit, there are other programs serving the same audience. The widget below pulls from Grantaura's database and matches by program type, audience, and funding amount.

How Grantaura's Experts Strengthen Your Application

Reading a grant listing gets you informed. It does not make your application competitive in a program where only 50 businesses nationwide will be selected.

Most unsuccessful applicants are not turned away because they were ineligible. They are rejected because of avoidable errors: the wrong tax return pages, a bank statement that is one page short, or a digitization narrative that fails to connect with reviewers.

Here is what Grantaura's team does at the application stage:

• Reviews your complete document package before you submit — checking for the right tax return pages by entity type, all bank statement pages, and proper ID formatting.
• Reads and gives structured feedback on your application answers — framed effectively for what this specific program's reviewers evaluate.
• Advises on how to describe your digitization goals in terms that align with what AOF and Ripple are funding — measurable adoption of digital tools with business-specific impact.
• Flags competitive positioning issues — with 50 spots available nationally, how your application reads relative to the field matters.

None of this is something you can replicate by reading more carefully. It requires someone who understands what reviewers notice that applicants typically miss.

About Imran Ahmad

Imran Ahmad built Grantaura because too many small business owners hear about programs like the Ripple Digital Leap Forward Accelerator and either never find them in time or submit incomplete applications. His work is about closing that gap — making sure business owners who qualify actually apply, and apply well.

About Imran
Book a Free Consultation

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    "url": "https://grantaura.com/grant/verizon-small-business-grant/",
    "custom_description": "Offers similar $10K grants for digital readiness but allows lower revenue thresholds. Ideal for businesses under the $100K floor of the Ripple program."
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  {
    "url": "https://grantaura.com/grant/fedex-entrepreneur-fund-program/",
    "custom_description": "Focuses on small business growth with mentorship. A strong alternative for businesses seeking funding without the strict 8-week curriculum commitment."
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  {
    "url": "https://grantaura.com/grant/lenovo-evolve-small-ai-business-grant/",
    "custom_description": "Targets technology adoption and AI integration. Relevant for businesses looking to digitize operations but missed the Ripple deadline or criteria."
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