Pundit Presents List of Banks Partnered With Ripple and Ready to Use XRP

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Institutional adoption remains the backbone of Ripple’s long-term strategy, and every market cycle revives the same question: how deeply has Ripple penetrated the global banking system?

As crypto markets regain strength and regulatory uncertainty fades, attention has shifted back to Ripple’s enterprise relationships and whether those partnerships translate into direct XRP usage.

Crypto commentator XRP Avengers recently reignited that conversation by publishing an expansive list of banks and financial institutions he says are partnered with Ripple and ready to use XRP.

His post quickly gained traction within the XRP community, especially as institutional narratives regain momentum following the formal conclusion of Ripple’s multi-year legal battle with U.S. regulators in 2025.

Ripple’s Expanding Global Network

Ripple has spent more than a decade building RippleNet, a global payments network designed to modernize cross-border transactions. Through RippleNet, financial institutions can access faster settlement, standardized messaging, and liquidity solutions.

Major banks such as Banco Santander, Standard Chartered Bank, SBI Holdings, American Express, and Bank of America have publicly confirmed collaborations with Ripple on cross-border payment initiatives. In Asia, institutions including MUFG, Mizuho Financial Group, DBS Bank, and OCBC Bank have also participated in Ripple-related programs.

These partnerships demonstrate Ripple’s significant institutional footprint across Europe, North America, the Middle East, and Asia-Pacific.

RippleNet vs. XRP Usage

Investors often conflate Ripple partnerships with direct XRP adoption, but the distinction matters. RippleNet provides infrastructure for messaging and settlement regardless of whether institutions use XRP. XRP becomes central when institutions adopt Ripple’s On-Demand Liquidity solution, which uses XRP as a bridge asset to eliminate pre-funded nostro accounts.

Companies such as MoneyGram previously utilized this liquidity model before regulatory uncertainty disrupted the partnership. Meanwhile, several Asia-Pacific corridors continue to leverage XRP for cross-border flows, particularly where liquidity optimization offers measurable cost savings.

Not every institution listed by XRP Avengers has publicly confirmed active XRP deployment. Some have piloted Ripple technology, others have integrated software solutions, and a smaller subset has implemented XRP-based liquidity.

Why the Distinction Matters Now

The renewed spotlight reflects a broader market shift. With Ripple’s legal overhang resolved and clearer regulatory frameworks emerging in multiple jurisdictions, investors now reassess XRP’s institutional value proposition. Markets no longer focus solely on speculation; they examine infrastructure, adoption, and real-world utility.

Ripple maintains one of the largest enterprise networks in the blockchain sector, and that network forms a critical pillar of XRP’s long-term thesis. However, verified adoption data carries more weight than viral lists.

As institutional blockchain integration accelerates globally, the next phase will not hinge on announcements alone. It will hinge on measurable XRP usage within active payment corridors.

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