XRP ETF Hype Explodes as American Express Adopts Ripple’s Game-Changing Tech

Wall Street’s sleeping giant just woke up—and it’s holding an XRP ETF application.

American Express shocks the payments industry by integrating Ripple’s blockchain tech—sending XRP bulls into overdrive. The move signals institutional validation that could finally push crypto into the mainstream.

Ripple’s rails cut through SWIFT’s bureaucratic sludge, bypassing legacy banking delays. Suddenly, those ‘pointless crypto conferences’ look like boardroom strategy sessions.

Will this trigger an ETF stampede? The SEC’s coffee machine just overheated.

TLDR

• American Express is using RippleNet to process real-time cross-border payments for corporate clients.
• The company benefits from Ripple’s On-Demand Liquidity system which uses XRP for instant currency conversion and settlement.
• XRP is not held directly by American Express but is used behind the scenes to facilitate international transactions.
• RippleNet allows American Express to avoid traditional banking delays and lower transaction costs.
• The infographic revealing this partnership has renewed market interest in a potential XRP ETF.

A new infographic highlighting XRP ETF prospects has revealed American Express is actively using Ripple’s blockchain for cross-border payments. The disclosure comes at a time when institutional interest in blockchain solutions is expanding rapidly across global markets. Ripple’s infrastructure continues to gain traction, as more firms integrate XRP technology for faster and more efficient payment settlements.

American Express Leverages RippleNet for Cross-Border Payments

American Express now utilizes RippleNet’s infrastructure to facilitate instant cross-border payments for its corporate clients across international corridors. Although the company does not hold XRP directly, it benefits from Ripple’s network, which uses XRP in its On-Demand Liquidity system. This system allows real-time settlements without the need for pre-funded accounts in foreign countries.

The process includes converting fiat to XRP and transferring it across borders before converting it back to the destination currency. As a result, this eliminates delays and high costs tied to traditional correspondent banking. This approach significantly reduces settlement times, from multiple days to just seconds.

RippleNet enables American Express to bypass legacy payment rails and improve transaction transparency for business clients. The use of XRP behind the scenes demonstrates the cryptocurrency’s real-world value in solving major financial bottlenecks. By improving efficiency, American Express strengthens its international payment offerings and enhances customer experience.

Ripple’s ODL System Underpins Growing XRP ETF Interest

The infographic has sparked renewed focus on the XRP ETF topic, especially amid increasing speculation surrounding potential regulatory approvals. Ripple’s On-Demand Liquidity system uses XRP as a bridge asset to streamline currency exchange and liquidity management. This function positions XRP as a vital part of global payments, especially in underbanked regions.

‼️JUNE 2025: XRP ETF INFOGRAPHIC REVEALS AMERICAN EXPRESS UTILIZES XRP‼️

“A well-known company that uses XRP is American Express, which leverages RippleNet to enable realtime cross-border payments for corporate clients.
Through its partnership with Ripple, American Express uses… pic.twitter.com/S5E9TcXxvd

— SMQKE (@SMQKEDQG) July 9, 2025

The technology provides a compelling use case for XRP ETF proposals, as institutional demand continues to build around scalable blockchain applications. XRP’s ability to settle transactions in under five seconds with minimal fees supports its utility as an efficient financial instrument. These capabilities give XRP a competitive edge against older systems like SWIFT.

Following Judge Analisa Torres’s 2023 ruling clarifying XRP’s legal status in secondary markets, institutional confidence has increased. This clarity has encouraged ETF filings tied to XRP, signaling growing trust in its compliance position. While no XRP ETF has yet been approved, industry participants see momentum toward eventual regulatory support.

Institutional Adoption Builds Case for XRP ETF

Ripple’s global partnerships, now exceeding 300 financial institutions, validate XRP’s rising status in financial technology. Firms like Santander, SBI Holdings, and Tranglo have integrated RippleNet to improve payment processing and reduce liquidity risks. These implementations contribute to the foundation for broader XRP ETF discussions.

American Express adds a high-profile name to the list, reinforcing confidence in Ripple’s infrastructure among traditional finance leaders. Its use of XRP indirectly reflects a growing shift toward blockchain-powered solutions in corporate finance. These advancements align with ongoing efforts to modernize international money movement.

As more institutions adopt Ripple’s systems, XRP’s role as a neutral bridge asset gains credibility in financial circles. Each partnership strengthens the case for an XRP ETF by showcasing real-world utility and performance.