The alleged partnership between American Express and Ripple claimed that Ripple’s XRP would be used to facilitate cross-border payments. The post, featuring images of the American Express headquarters and a supposed Ripple payment confirmation, quickly went viral—fueling widespread speculation and excitement within the XRP community.
There is no new partnership between American Express and Ripple. Neither company has released any official statement or press release on their websites or verified social media channels confirming such a collaboration.
History Reveals an Older Collaboration
In November 2017, American Express did partner with Ripple to explore blockchain-based cross-border payments between the U.K. and the U.S. via the FX International Payments (FXIP) service. However, this initiative did not involve XRP directly. Instead, it utilized RippleNet, Ripple’s enterprise blockchain network, to facilitate transactions — while XRP was merely an option, not a requirement.
There is no evidence that the companies extended this partnership or pursued any XRP-related collaboration beyond 2017.
Following the recent viral claim, many users quickly dismissed it as fake, citing the original 2017 CNBC article for context. The alleged post was criticized for being misleading and promotional, particularly since it contained a link to a token project called “Real Token.” This raised suspicions that the post was part of a scam or pump-and-dump scheme, rather than legitimate news.
Facts About XRP and Ripple
XRP is a digital currency designed for fast international payments, with settlement times of just three to five seconds.
RippleNet, Ripple’s enterprise payment network, allows financial institutions to use XRP at their discretion, though many opt not to.
As of late 2025, XRP’s market capitalization stands between $30 billion and $40 billion, but its adoption among major banks remains limited.
The viral article attempted to link XRP with the “Real Token” project, which claims to digitize real estate and reach a market capitalization of $100 billion, predicting a massive price surge from $0.043 to $998.90. Analysts have pointed out that there is no credible basis for such projections.
The Current Situation
Ripple, having won its legal battle with the SEC in 2023, continues to explore blockchain applications but has not deployed XRP in large-scale production systems. Experts confirm that no major financial institution, including American Express, is currently using XRP for cross-border payments.
Regulators and market analysts are urging investors to verify news through official company communications before acting. The crypto space remains rife with fake promotions, distorted visuals, and inflated claims, often exploiting investor enthusiasm surrounding XRP and other major tokens.
