Ripple Slams Foot on Gas in Middle East—Zand Bank and Mamo Deals Signal Crypto Takeover

Ripple’s not just dipping toes in Middle Eastern waters—it’s diving headfirst. Fresh partnerships with UAE’s Zand Bank and payments disruptor Mamo prove the blockchain giant means business.

Why it matters: While Wall Street still debates crypto regulation, Ripple’s cutting through red tape with real-world banking integrations. The play? Corner the cross-border payments market where traditional finance moves at the speed of a 1999 dial-up connection.

Watch this space: If these pilots scale, Ripple could bypass SWIFT entirely in the region—leaving legacy banks scrambling to explain why their ’blockchain task forces’ haven’t delivered anything beyond PowerPoints.

Following our DFSA license, Zand Bank and @MamoPay are now live on Ripple Payments—bringing always-on, blockchain-powered cross-border payments to one of the world’s top remittance hubs.

— Ripple (@Ripple) May 19, 2025

Ripple, which received its license from the DFSA in March 2025, can now manoeuvre the end-to-end payment process for its clients, allowing global movement of funds ceaselessly along with instant settlement.

“Securing our DFSA license enables Ripple to better serve the demand for solutions to the inefficiencies of traditional cross-border payments, such as high fees, long settlement times, and lack of transparency, in one of the world’s largest cross-border payments hubs,” said Reece Merrick, Managing Director, Middle East and Africa, at Ripple.

He added, “Our new partnerships with Zand Bank and Mamo are testament to the momentum that the license has created for our business.”

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MEA Finance Leaders Prioritise Blockchain for Faster Cross-Border Payments

Ripple has witnessed an increased demand for its payment solutions in the Middle East from crypto-native firms as well as traditional financial institutions. Additionally, with access to the UAE’s $400 billion market and $40 billion remittance sector, Ripple is set to further gain traction in the region.

Notably, Ripple’s integration of its Ripple USD (RLUSD) stablecoin has enhanced the credibility and versatility of its inter-regional payment solution while also driving greater adoption of the stablecoin.

According to Ripple’s 2025 New Value report, approximately 64% of the leaders in the Middle East and Africa (MEA) region view faster payment and settlement times as the primary driver for incorporating blockchain-based currencies into cross-border transactions.

Interestingly, Ripple’s latest partnership announcement coincides with Ripple’s President, Monica Long, recently meeting Ahmed bin Saeed, Chairman of the Emirates Group, at the 2025 Fintech Summit in Dubai to explore opportunities to expand Ripple’s presence in the region.

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Key Takeaways

• Ripple can manoeuvre end-to-end payment processes for its clients, allowing global movement of funds ceaselessly along with instant settlement
• Zand Bank wants to launch an AED-backed stablecoin
• 64% of MEA leaders see faster payments as key to blockchain adoption in cross-border transactions