XRP News Today: American Express Upgrades System Sparking Ripple Integration Speculation

Written byCoin World
Tuesday, Jul 1, 2025 10:42 am ET2min read

American Express has announced a significant system upgrade that is currently causing delays in cross-border payments and wire transfers. This move is part of a broader effort to align its infrastructure with a Federal Reserve update. The upgrade has sparked speculation in the crypto community that Ripple’s blockchain-powered payment technology, RippleNet or XRP, could be integrated into Amex’s systems in the future.

The speculation is not new;

and previously collaborated on cross-border payment trials. The recent infrastructure overhaul has reignited conversations about the potential integration of Ripple’s technology into Amex’s payment systems. This speculation is fueled by the fact that RippleNet is known for enabling instant and cost-efficient cross-border settlements, which aligns with Amex’s goals for its modernized payment network.

American Express has been making a series of sweeping changes, including a refresh on its Platinum cards, which it calls the “largest investment ever in a Card refresh.” This update impacts both its US Consumer and Business Platinum Cards and includes enhanced spending flexibility and new reward structures. While this overhaul is focused on customer-facing services, it coincides with significant backend changes to its payments network.

Earlier this month, Amex entered the crypto rewards space through a partnership with

. The launch of the Coinbase One Card offers users up to 4% cashback in on purchases, while also providing access to Amex-style perks such as exclusive event invites. This move into crypto payments is notable given American Express’ conservative history with digital assets, marking a shift towards wider adoption of blockchain and digital currencies in traditional finance.

Although Amex has not officially confirmed any new collaboration with Ripple, crypto market commentators have highlighted the company’s history with Ripple and questioned whether XRP-powered solutions could be part of the new architecture. Versan, the founder of Black Swan Capitalist, linked the payment delays, system upgrade, and Amex’s ongoing relationship with Ripple as “strategic alignment.”

Meanwhile, Ripple continues to navigate its long-running legal case with the Securities and Exchange Commission. Last week, Ripple CEO Brad Garlinghouse stated that the company has decided to drop its cross-appeal in the case. The SEC is also expected to withdraw its appeal, as it had previously indicated. However, a request from both Ripple and the SEC for an indicative ruling to reduce Ripple’s $125 million civil penalty was denied. The ruling also declined to reverse an earlier judgment that labelled Ripple’s institutional sales of XRP as securities transactions.

In her ruling, US District Judge Analisa Torres said that Ripple’s attempt to “push the boundaries” of the prior summary judgment showed a potential for further violations. Ripple’s chief legal officer, Stuart Alderoty, said that the company had a choice: drop its appeal or continue contesting the securities ruling. Despite the legal complexities, Alderoty emphasised that XRP’s status “as not a security” has not changed. Ripple will continue to operate as normal, he added.

The dual developments—Ripple’s legal resolution efforts and American Express’ infrastructure overhaul—have together renewed investor focus on the role blockchain may play in reshaping traditional finance. The speculation around Ripple’s potential integration into Amex’s systems highlights the growing interest in blockchain technology within the financial sector and its potential to revolutionize cross-border payments.

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