$XRP has established itself as the main technological bridge between the traditional financial system (SWIFT) and the crypto world. In 2025, the list of partners includes hundreds of institutions, divided between those that use the messaging network and those that use XRP as a liquidity asset. Many giants use RippleNet to reduce settlement times from days to seconds: Santander, Bank of America, MUFG (the largest bank in Japan), PNC Bank, Itaú Unibanco, American Express, SBI Holdings, Tranglo, Western Union & MoneyGram, BNY Mellon, TJM Investments...

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