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Debashree Patra
Debashree Patra
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Reviewed by:
Nidhi Kolhapur
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Nidhi is a Certified Digital Marketing Executive and Passionate crypto Journalist covering the world of alternative currencies. She shares the latest and trending news on Cryptocurrency and Blockchain.
- Jul 01, 2025 11:37 UTC
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Is American Express Secretly Using RippleNet Again?
Amex Payment Delays Spark Ripple Speculation: XRP community suspects Ripple tech behind Amex’s system upgrade amid wire transfer issues.
Crypto Signals Grow Stronger: Amex launches Coinbase card and revamps Platinum perks, fueling theories of deeper blockchain adoption.
A recent notice from American Express (Amex) about cross-border payment delays has reignited speculation that Ripple’s blockchain could be playing a behind-the-scenes role in the credit giant’s tech overhaul.
Though no official links have been confirmed, the timing has the XRP community buzzing. With rumors of a Wall Street giant meeting, blockchain market watchers are expecting another level of adoption. Meanwhile, following many positive developments, XRP price stayed stable and gained even when crypto prices were tumbling.
System Delays Trigger Blockchain Buzz
Amex recently alerted clients about disruptions in wire transfers and cross-border payments, citing a broader upgrade connected to the Federal Reserve System. While this sounds routine on the surface, crypto circles quickly connected the dots, especially given Amex’s past collaboration with RippleNet in streamlining cross-border transactions.
Though Ripple wasn’t mentioned in the official update, the blockchain firm’s prior work with Amex, particularly in the US-UK corridor, adds weight to the theory that Ripple’s tech could be part of this major infrastructure shift.
What’s Brewing Inside?
The speculation doesn’t stop with payment delays. Just days before, Amex unveiled what it called the largest upgrade to its Platinum Cards in over 40 years. This includes new business perks and flexible payment tools, coinciding with a separate partnership with Coinbase to launch the Coinbase One Card, offering users 4% Bitcoin cashback.
Crypto influencers, including figures like Versan from Black Swan Capitalist, have amplified these theories, pointing to the broader trend of payment modernization and blockchain adoption in traditional finance. This new digital push seems to align with a bigger modernization play, and that’s where blockchain fits in. Many believe Ripple’s infrastructure could be quietly powering the rails for this next-gen payment system, even if it’s not publicly confirmed.
XRP Market Snapshot
Despite the speculation, there’s no official confirmation that Ripple is involved in Amex’s current upgrade. Still, the alignment of payment delays, card product revamps, and renewed crypto partnerships has the XRP community on alert.
XRP’s price reaction has been modest, with the token up around 2% in the last 24 hours, trading at $2.22. But as more details are expected later this year, many believe this could be Ripple’s quiet re-entry into mainstream finance, possibly backed by one of America’s biggest credit card giants.
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FAQs
American Express offers cross-border payment services primarily through “American Express Global Pay,” a digital solution for US businesses. It allows secure domestic and international B2B payments to suppliers in over 40 countries and various currencies, often with same-day delivery options.
No, there has been no official confirmation from American Express that Ripple is involved in its current Federal Reserve System upgrade. The connection is purely speculative, fueled by Amex’s past collaborations with RippleNet and the timing of other Amex digital initiatives.
Despite the significant speculation, XRP’s price reaction has been modest. The token is up around 2% in the last 24 hours, trading at $2.22. The market is awaiting more concrete details, as official confirmation could significantly impact XRP’s long-term price action.
Yes 
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