XRP ETF Infographic Reveals American Express Utilizes XRP

A newly released infographic shared by crypto analyst SMQKE has reignited interest in XRP’s institutional adoption, revealing that financial giant American Express is utilizing Ripple’s blockchain infrastructure to power real-time cross-border payments for its corporate clients.

While American Express does not directly hold XRP, it benefits from RippleNet—a network that leverages XRP behind the scenes to facilitate faster, more transparent international transactions.

The infographic states, “A well-known company that uses XRP is American Express, which leverages RippleNet to enable real-time cross-border payments for corporate clients. Through its partnership with Ripple, American Express uses XRP indirectly via Ripple’s infrastructure to facilitate faster and more transparent transactions between the U.S. and international markets, helping businesses move money efficiently and reduce settlement times from days to seconds.”

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This revelation is significant. By relying on RippleNet and its associated On-Demand Liquidity (ODL) product, American Express can sidestep the delays and high costs of traditional correspondent banking.

ODL uses XRP as a bridge currency, allowing funds to be converted into XRP and sent instantly across borders before being converted into the destination currency, eliminating the need for pre-funded accounts and enabling near-instant settlement.

XRP’s Role in Revolutionizing Global Payments

XRP’s greatest strength lies in its ability to serve as a neutral, highly liquid bridge asset for international payments. It processes transactions in just a few seconds, with near-zero fees and no dependency on legacy banking infrastructure. This gives it a major advantage over traditional systems like SWIFT, which can take days to settle payments.

Over the years, Ripple has formed partnerships with more than 300 financial institutions globally, including Santander, SBI Holdings, Tranglo, and many others. These entities use RippleNet and XRP-powered ODL to overcome liquidity challenges and expand their global reach, particularly in regions where traditional banking infrastructure is limited or inefficient.

American Express, as a major player in the global financial landscape, brings further credibility to this growing list of adopters. Its use of Ripple’s infrastructure reflects a broader trend among traditional institutions moving toward blockchain-based solutions to enhance speed, efficiency, and transparency in money movement.

Growing Momentum for XRP and ETF Interest

The infographic comes at a pivotal time. Interest in XRP is rising, driven by growing speculation around the potential launch of an XRP spot exchange-traded fund (ETF). While an XRP ETF has yet to be approved, several filings are reportedly underway. The legal clarity following the 2023 ruling by Judge Analisa Torres, which declared that XRP is not a security in secondary market sales, has further bolstered investor and institutional confidence.

In this context, American Express’ quiet but strategic use of RippleNet is a powerful signal. It underscores XRP’s growing relevance in real-world finance and its potential to become a global standard for instant, low-cost cross-border payments. As institutions continue to adopt Ripple’s solutions and regulatory barriers fall, XRP appears well-positioned for broader mainstream integration—both as a bridge currency and a potential ETF asset.

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