The official partnership between American Express and Ripple was founded on the idea that Ripple should be used to conduct cross-border transactions via XRP. The post includes a photo of American Express headquarters and an alleged Ripple payment confirmation. This allegation quickly spread like fire and created speculation in the XRP community.
🚨BREAKING: American Express officially announces global payments partnership with #RIPPLE — leverage #XRP for cross-border transactions! 🌎💥
Trillions of global capital are about to flow into #XRPL powered by real tokens — an innovative project that digitizes… pic.twitter.com/v7I6RWcpsv
— XRP QUEEN🤍 (@crypto_queen_x) October 27, 2025
There are no new partnerships established by American Express and Ripple. There are no statements or press releases on the official website or verified social media pages.
History depicts ancient collaborations
In November 2017, American Express partnered with Ripple. The partnership leveraged Ripple's blockchain technology to enable fast cross-border payments between the UK and the US through the FX International Payments (FXIP) service. However, this project did not include XRP itself. RippleNet was used to facilitate transactions, but XRP was optional. There is no record that the two companies have pursued any affiliated positions with XRP or other transactions since 2017.
Many people labeled this a fake and referred to a previous CNBC article (2017). Reactions to this post referred to it as misleading hype. The post contained a promotional link to “Real Token”, leading users to suspect that it was a scam or a pumping operation rather than real news.
Facts about XRP and Ripple
XRP is an international payment currency. This allows for near-instant payments that typically take 3 to 5 seconds. Ripple Net Ripple enterprise payments network allows institutions to use XRP at their own discretion. By the end of 2025, XRP's market capitalization will be around $30 billion to $40 billion. Despite this, usage rates at major banks are low.
The article ties XRP to a project called Real Tokens, which digitizes real estate and has a market capitalization of 100 billion. This is also a prediction that the token price will rise significantly by 0.043 to an all-time high of 998.90. There is no plausible growth theory to support this massive growth.
Ripple is still recovering from a legal battle with the SEC that the company won in 2023. The company experimented with blockchain but did not use XRP in production. Analysts have confirmed that XRP is not currently being used by major financial institutions that conduct Amex cross-border transactions. Cryptocurrency regulators urge investors to check company communications for any news. There are many fake promotions that take advantage of the XRP name and investor enthusiasm. The tendency to use distorted visuals and exaggerated projections also aligns with the trend of cryptocurrency misinformation.
