Getting The Facts Straight: Did Ripple CEO Brad Garlinghouse Confirm An American Express Partnership This 2025?

• The ongoing upgrades in American Express are generating speculations that it may be working in secret with Ripple to integrate blockchain into its cross-border payments network.
• Ripple and American Express announced a partnership for that exact purpose in 2017.

The crypto social media circle is buzzing with speculations about something big happening within a US credit payments giant that could boost XRP price. According to several sources, American Express has notified clients lately about an ongoing system upgrade that could cause delays in its cross-border payments and wire transfer services.

American Express Undergoes Major Upgrade

The infrastructure overhaul aligns with a broader “US Federal Reserve update” that presumably aims to accelerate payment systems. Interestingly, reports began circulating that Brad Garlinghouse, CEO of Ripple, revealed in a statement that their company is working with American Express to integrate RippleNet’s XRP Ledger (XRPL) powered solutions into its payment services.

“We’re taking a huge step forward with American Express and Santander in solving the problems corporate customers experience with global payments. Transfers that used to take days will be completed in real-time, allowing money to move as fast as business today,” said Garlinghouse there.

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As a result, many crypto news outlets are quoting Garlinghouse to hype up XRP. While we can’t discount the fact that Ripple has certainly made significant strides in integrating XRPL’s tech in traditional payment rails and banking services, as evidenced by its huge partnerships with Garanti BBVA, Unicâmbio, and others, it pays to get the facts straight to give the public a more informed decision in carrying out their investment strategies.

Therefore, we looked into the nature of Garlinghouse’s statement that’s generating plenty of hype for XRP today.

Garlinghouse’s Circulating Statement About Ripple and American Express Partnership

Unfortunately, the aforementioned statement came from a CNBC report way back in 2017. The article featured Ripple’s partnership with American Express and Santander, quoting the exact statement from Garlinghouse that’s recirculating online again.

ADVERTISEMENTWe can’t say for sure if the person who started necroposting Garlinghouse’s statement lately had ill intentions in mind, as the individual may have only forgotten to mention the source of the comment attributed to the Ripple CEO. However, it gave some people the idea that it may be a fresh confirmation from the blockchain solutions company.

So as not to end this article on what could possibly be a downer to some, it’s worth noting that neither Ripple nor American Express have expressly disclosed their partnership’s termination. Hence, it is highly probable they may have proceeded with their goal of integrating RippleNet with the credit card company’s system.

On to the Bigger Picture

Ripple is undeniably rapidly expanding its coverage, bringing XRP to the forefront of the evolution of cross-border payment networks. Garlinghouse confidently confirmed at the Apex 2025 event in Singapore that they aim to capture 14% of SWIFT’s volume in global payments.

The move could spell much cheaper transaction fees and almost real-time payment settlement. Meanwhile, it could boost adoption and create higher demand for XRP, potentially sending it to $1,000 per token or even more as a number of analysts have claimed.

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