Mastercard launched AP4M today. 30 partners. AI payment infrastructure. Ripple in the room. But this isn't their first meeting. 2019. Mastercard Foundation and Ripple co-invested in SendFriend. XRP as the settlement layer. 2026 February. RLUSD settles on Mastercard's card network. Today. AP4M launch partner. Every time — one seat deeper. 30 partners on the list. Or 7 years of the same direction. How you read it is up to you. #Mastercard #Ripple #XRP

🇯🇵 Japan Today Just Showed Us What Is Going To Happen With XRP In The U.S. When Clarity Act Passes… Today, SBI Shinsei Bank launched a pilot allowing customers to convert 20% of their deposit interest directly into XRP. Traditional banking deposits are now flowing into crypto utility with regulatory blessing. Japan just did what America cannot, yet. U.S. banks cannot legally divert regulated deposit interest into crypto assets due to securities laws, FDIC/Fed capital & custody restrictions, and lack of clear safe harbors (unlike Japan’s framework). This is why Clarity Act plays a big role. Barclays couldn’t directly utilize XRP for cross-border payments. So Barclays and Ripple co-invested into a payments company “SendFriend” that uses XRP through Ripple. Interestingly, BoJ banker "yutokanzakireal" had also disclosed that Japan will soon tokenize its bonds on the blockchain. Japan showed us the blueprint🇯🇵🇺🇸 Stellar_Rippler

これがクラリティ法案が大きな役割を果たす理由です。 バークレイズは国境を越えた支払いにXRPを直接利用をすることは出来ませんでした。そこでバークレイズとリップルは、リップルを通じてXRPを利用する決済会社「SendFriend」に共同出資しました。

마스터카드가 오늘 AI 결제 인프라를 발표했다. 30개 파트너가 테이블에 앉았다. 근데 마스터카드와 리플은 오늘 처음 만난 게 아니다. 2019년 SendFriend. 2026년 2월 RLUSD로 신용카드 정산 실행. 오늘 AP4M 파트너. 매번 한 자리씩 더 깊어졌다. 30개 중 하나라고 읽을 수도 있다. 7년을 같이 걸어온 파트너라고 읽을 수도 있다. 어느 쪽으로 읽느냐는 각자의 몫이다.

🇯🇵 日本が今日、Clarity Actが可決されたときに米国でXRPに何が起こるかを示してくれました… 今日、SBI新生銀行は、顧客が預金利息の20%を直接XRPに変換できるパイロットプログラムを開始しました。伝統的な銀行預金が、今や規制当局の承認を得て、暗号通貨の実用性に流れ込んでいるのです。 日本は、アメリカがまだできないことをやってのけたのです。 米国の銀行は、有価証券法、FDIC/連邦準備制度の資本および保管制限、明確なセーフハーバーの欠如（日本の枠組みとは異なり）により、規制された預金利息を合法的に暗号資産に振り向けることができません。 これが、Clarity Actが大きな役割を果たす理由です。 バークレイズは、クロスボーダー決済でXRPを直接利用できませんでした。そこでバークレイズとリップルは、Rippleを通じてXRPを使用する決済会社「SendFriend」に共同投資しました。 興味深いことに、日銀の銀行家@yutokanzakirealも、日本がまもなく国債をブロックチェーン上でトークン化することを明らかにしていました。 日本が私たちに青写真を示してくれました🇯🇵🇺🇸

🇯🇵 Japan Today Just Showed Us What Is Going To Happen With XRP In The U.S. When Clarity Act Passes… Today, SBI Shinsei Bank launched a pilot allowing customers to convert 20% of their deposit interest directly into XRP. Traditional banking deposits are now flowing into crypto utility with regulatory blessing. Japan just did what America cannot, yet. U.S. banks cannot legally divert regulated deposit interest into crypto assets due to securities laws, FDIC/Fed capital & custody restrictions, and lack of clear safe harbors (unlike Japan’s framework). This is why Clarity Act plays a big role. Barclays couldn’t directly utilize XRP for cross-border payments. So Barclays and Ripple co-invested into a payments company “SendFriend” that uses XRP through Ripple. Interestingly, BoJ banker @yutokanzakireal had also disclosed that Japan will soon tokenize its bonds on the blockchain. Japan showed us the blueprint🇯🇵🇺🇸

🚨 RIPPLE’S 300 BANK EMPIRE FULLY DOCUMENTED & UPDATED Every confirmed bank with RippleNet / ODL / XRP / Custody / RLUSD ties as of May 2026! 💥 Ripple confirms over 300 financial institutions on RippleNet across 45 countries & 6 continents (many live on ODL or RLUSD). Full exhaustive list isn’t public (competitive NDAs), but this is the MOST COMPLETE VERIFIED LIST compiled from official announcements & 2026 sources now with fresh additions like HSBC, Deutsche Bank, JPMorgan ties, BNY Mellon custody, and more: Asia-Pacific 1. SBI Holdings / SBI Remit (Japan) – Full ODL RLUSD expansion 2. Axis Bank (India) 3. Kotak Mahindra Bank (India) 4. YES Bank (India) – Real-time cross-border 5. IndusInd Bank (India) 6. UnionBank (Philippines) – ODL remittances 7. ChinaBank (Philippines) – XRP corridors 8. Siam Commercial Bank (Thailand) – Live ODL 9. Krungsri / Bank of Ayudhya (Thailand) 10. DBS Bank (Singapore) – Custody 11. Woori Bank (South Korea) 12. Shinhan Bank (South Korea) 13. Kbank (South Korea) – Custody 14. MUFG Bank (Japan) 15. RAKBANK (UAE-India corridor) North America 16. PNC Bank (USA) – First major U.S. bank on RippleNet 17. CIBC (Canada) – Live ODL 18. Bank of America (USA) – Pilots RLUSD ties 19. Cross River Bank (USA) – X Money backbone 20. American Express (USA) – B2B RippleNet 21. BNY Mellon (USA) – RLUSD custody Europe 22. Santander (Spain/Global) – One Pay FX RippleNet 23. Standard Chartered (UK/Global) 24. HSBC (UK/Global) – RippleNet SWIFT framework ties 25. Deutsche Bank (Germany) – 2026 payment infrastructure integration 26. AMINA Bank (Switzerland) – Full Ripple Payments live 27. BBVA (Spain/Switzerland) – Custody digital assets 28. DZ Bank (Germany) – Custody/tokenized bonds 29. Intesa Sanpaolo (Italy) – Custody 30. SEB (Sweden) 31. JPMorgan (USA/Global) – RippleNet/SWIFT framework ties Middle East 32. Zand Bank (UAE) – Live XRP RLUSD since 2025 33. National Bank of Fujairah (UAE) 34. Qatar National Bank (Qatar) 35. Riyadh Bank (Saudi Arabia) Latin America 36. Travelex Bank (Brazil) – Full ODL 37. Banco Rendimento (Brazil) – ODL 38. Itaú Unibanco (Brazil) 39. Banco Genial (Brazil) 40. Interbank (Peru) – ODL Africa & Others 41. Standard Bank (South Africa) 42. Faysal Bank (Pakistan) 43. Akbank (Turkey) – RippleNet member Plus confirmed Ripple-tied via SWIFT/framework (2026): Additional 20 banks in the new Global Payments framework (Santander, HSBC, Deutsche, Standard Chartered, JPMorgan already listed). Fintech/Remittance powerhouses on the network: Tranglo, InstaReM, BeeTech, SendFriend, Nium, Modulr, Sentbe 250 additional smaller banks, credit unions & providers across Asia, LatAm & emerging markets. This isn’t speculation. This is live global infrastructure and the list keeps growing every week. XRP Army - the banks are already here. Repost if you’re tracking real adoption 🔥💎 #XRP #Ripple #RippleNet

📣 $XRP: Ripple consistently reports over 300 financial institutions and partners connected to RippleNet globally 🌐 —below is a compilation of over 194 of those connections available from public sources, as many are not individually named publicly 👇🏼 Accenture AirWallex Airwallex Akbank Al Ansari Exchange Al Rajhi Bank American Express American Express FX Payments ANZ Aomori Bank Archax Arrington XRP Capital Ashikaga Bank Asia MTM ATB Financial Awa Bank Axis Bank Banca Intesa Sanpaolo Banco Rendimento Banco Santander Bank Leumi Le-Israel Bank Of America Merrill Lynch Bank Of England Bank Of Indonesia Bank Of Thailand Bank of Thailand (BOT) Bank of The Ryukyus Bank of Yokohama Barclays BBVA BBVA Banco Bilbao Vizcaya Argentaria Beetech BeeTech Bexs Banco Bhutan (Royal Monetary Authority) Bichip Bitso BMO Bank of Montreal BNP Paribas BNY Mellon Canadian Imperial Bank of Commerce Canadian Imperial Bank of Commerce (CIBC) CBIC Canadian Imperial Bank of Commerce CBW Bank CGI Group ChinaBank Commonwealth Bank of Australia Credit Agricole Credit Suisse Cross River Bank Ctrl Alt Cuallix Currencies Direct Daishi Bank Daiwa Next Bank DBS DBS Group Deloitte DH Corporation Dubai Land Department Dubai Land Dept Ctrl Alt Earthport Expertus eZforex Fidor Bank FlashFX Frankenmuth Credit Union Fukui Bank Gunma Bank Hachijuni Bank Hidden Road Hiroshima Bank Hokuriku Bank HSBC The Hongkong And Shanghai Banking Corporation Limited Hyakugo Bank IDT IFX dlocal IFX Payments IndusInd IndusInd Bank Instarem InstaReM InstaRem Interbank Itau Unibanco Itaú Unibanco Iyo Bank JP Morgan Juroku Bank Keiyo Bank Kotak Mahindra Bank Krungsri Krungsri (Bank of Ayudhya) LianLian International LianLian Pay Macquarie Group Mastercard Meld Gold MHFG Mizuho Financial Group Mizuho Financial Group Modulr MoneyGram MoneyTap Moneygram Montenegro MoonPay MUFG (Mitsubishi UFJ) MUFG Bank MUFG Tokyo-Mitsubishi UFJ Financial Group Musashino Bank NAB National Australia Bank National Australia Bank National Bank of Abu Dhabi National Bank of Fujairah Natixis NIUM Nomura Trust and Banking Company Nordea North Pacific Bank OCBC Bank Oita Bank Orix Bank Palau Palisade PNC Financial Services Qatar National Bank Rabobank RAKBANK RBC Royal Bank of Canada Reisebank Remitr Resona Bank Riyadh Bank Royal Bank of Scotland Royal Monetary Authority of Bhutan (RMA) S SBI Holdings Santander Saudi Central Bank (SAMA) SBI Holdings SBI Remit SBI Remit Co., Ltd SBI Sumishin Net Bank SBI Virtual Currencies SCB Siam Commercial Bank SCotiabank SEB Selly SendFriend Senshu Ikeda Bank Sentbe Seven Bank Shanghai Huarui Bank SHRB Shanghai Huarui Bank Shikoku Bank Shimizu Bank Shinhan Bank Shinsei Bank Siam Commercial Bank Siam Commercial Bank (SCB) Société Générale Sony Bank Standard Bank Standard Chartered Standard Chartered Bank Star Bank Star One Credit Union Sumitomo Mitsui Trust Bank Suruga Bank TD Bank Canada Tochigi Bank Toho Bank Tranglo TransferGo Travelex Bank Tsukuba Bank UAE Exchange UniCredit Unicâmbio UnionBank UOB United Overseas Bank Vietcombank Volante We Make Price Western Union Westpac Woori Bank World Bank Yachiyo Bank Yamagata Bank Yamaguchi Bank Zand Bank Zip Remit ZipRemit Zoniqx 🔥💰🔥💰🔥💰🔥💰🔥💰🔥💰🔥

6️⃣ Provedores globais de pagamento — a camada de escala • MoneyGram – Parceria histórica • InstaReM (Singapura) – Transferências regionais • SendFriend (EUA) – Pagamentos internacionais • Remit (Global) – Infraestrutura de pagamentos 👉 Amplificam o alcance do XRP além do sistema bancário tradicional.

- The post details a claimed confidential report from several years ago, shared among executives at Barclays, HSBC, Standard Chartered, and Lloyds in London, critiquing SWIFT's messaging inefficiencies and trapped liquidity in nostro-vostro accounts while advocating XRP Ledger for atomic, low-cost settlements with embedded compliance. - Ripple's real-world ties include a 2025 integration with Standard Chartered for virtual accounts and compliance tools, Barclays' co-funding of SendFriend using xRapid for remittances, and Bank of England proofs-of-concept testing synchronized cross-border payments on Ripple tech, supporting the post's efficiency narrative. - Though the specific report lacks public verification, XRP Ledger's 2025 pilots—like Mastercard's RLUSD settlement tests—demonstrate accelerating bank adoption for real-time value transfer, potentially freeing trillions in idle capital as described.

Bank of America uses XRP for all internal transactions and deepened its Ripple partnership for cross-border payments in 2025. Goldman Sachs invested in Ripple and collaborates on blockchain initiatives tied to Ripple's technology. Deutsche Bank partnered with Ripple-backed Keyrock for FX services expansion. BNP Paribas maintains an indirect connection to Ripple through its use of Metaco's digital asset custody technology, acquired by Ripple in 2023, for tokenized securities and crypto assets; it's part of a 2025 global banks' stablecoin consortium with potential XRP liquidity ties. Santander integrated Ripple technology into its One Pay FX app for international payments. Barclays co-invested with Ripple in remittance firm SendFriend using XRP for liquidity. TD Bank partners with Ripple for real-time retail transactions via digital currencies. MUFG Bank signed a memorandum with Ripple for cross-border payments to Brazil using XRP. UBS and Ripple both serve as strategic partners to fintech accelerator Tenity. Citi has indirect ties to Ripple via its 2022 Metaco custody partnership (reviewed post-2023 acquisition but with active pilots continuing); in 2025, it invested in stablecoin platform BVNK and joined the global banks' stablecoin consortium, aligning with Ripple's ecosystem.

Ripple/XRP partnerships (known so far): Accenture Airwallex American Express Andreessen Horowitz Azimo Banco Rendimento Banco Santander Bank of America Bank of Thailand BeeTech Bitso bKash BNY Mellon Cambridge Global Holdings Canadian Imperial Bank of Commerce Catalyst Corporate Central Bank of Bahrain ChinaBank Clear Junction CME Group Coinfirm Ctrl Alt Cuallix Currencies Direct Deloitte Dubai Land Department DZ Bank Faysal Bank FINCI Finastra FlashFX Fortress Trust goLance GV Hidden Road IDT IFX IndusInd Bank InstaReM Interbank Peru Itaú Unibanco JPMorgan Chase Kotak Mahindra Bank LianLian LuLu Exchange MercuryFX Metaco MFS Africa Monetary Authority of Singapore MoneyGram MoneyMatch MoneyTap Morningstar National Bank of Cambodia National Bank of Fujairah Novatti Onafriq OpenEden Paga PayAngel payMe PNC Bank Pyypl Qatar National Bank RAKBANK Reisebank RippleNet Royal Bank of Canada Royal Monetary Authority of Bhutan Saudi Central Bank SBI Holdings SBI Remit Seagate SEB SendFriend Standard Chartered Bank Standard Custody Tranglo Travelex Bank Unicâmbio Viamericas Western Union World Bank Zazi Transfer Zip Remit ZipZap

🔔 $XRP is currently working with SBI Holdings, Azimo, I-Remit, Pyypl, Novatti, Bitso, Tranglo, Mercury FX, FlashFX, Euro Exim Bank, JNFX, SendFriend, Transpaygo, FTCS, ETC Group and ETF’s we got Grayscale, 21Shares, Bitwise, Canary, Franklin Templeton, WisdomTree, Proshares. This is only the beginning.