TLDR
- A peer-reviewed academic paper confirms that American Express built its instant payment system using Ripple.
- The paper, published online in February 2023, discusses the use of blockchain in various industries.
- Ripple is described in the paper as a distributed ledger that uses servers and XRP for fast and secure transactions.
- The document presents Ripple as a frequently used platform in real-world financial applications.
- American Express is listed alongside other major institutions, such as J.P. Morgan, in its adoption of blockchain technology.
A peer-reviewed academic paper has confirmed Ripple as the foundation for American Express’s instant blockchain-based payment platform. The document, published online in February 2023, highlights several institutional blockchain integrations. The source directly names Ripple as the underlying infrastructure for American Express’s blockchain payment application.
Ripple Infrastructure Powers Real-World Financial Applications
The paper describes Ripple as a distributed ledger network that supports fast, transparent, and low-cost transaction processing. It states, “The American Express instant blockchain-based payment system… was developed on the Ripple platform.” This quote offers explicit confirmation of Ripple’s role.
It also emphasizes that Ripple utilizes servers and its token, XRP, to validate and complete transactions across a decentralized network. According to the document, this system ensures rapid settlement and enhances data security across its network. As a result, Ripple stands out as a proven blockchain provider in the global finance sector.
The paper’s inclusion of Ripple among recognized use cases signals the company’s practical integration within traditional financial institutions. While many blockchain projects remain theoretical, Ripple has entered the operational space. The American Express case represents a real-world application with measurable impact.
Ripple developed a blockchain-based platform that is “frequently used” by American Express.✅
See for yourself.📝👇 https://t.co/Aq7FXU9Kh0 pic.twitter.com/tgZumIfvf6
— SMQKE (@SMQKEDQG) October 13, 2025
American Express Cited for Using Ripple in Instant Payments
The academic source identifies American Express as an early institutional user of Ripple’s blockchain infrastructure. It positions this payment solution alongside major blockchain initiatives, such as J.P. Morgan’s Interbank Information Network. This side-by-side comparison reinforces the legitimacy and scale of Ripple’s financial reach.
It notes that the American Express system frequently uses Ripple’s distributed ledger technology for processing payments. Although the article does not detail usage volume, the confirmation of implementation is notable. The paper treats Ripple’s involvement as a fact, not a claim.
This acknowledgment moves Ripple beyond the realm of speculation or promotional material. It situates Ripple within verified academic research, giving weight to its use by American Express. These findings highlight Ripple’s position in the global financial ecosystem.
Peer-reviewed publications undergo rigorous evaluation before approval, lending credibility to their content. Therefore, the mention of Ripple reflects information based on confirmed sources available at the time. This elevates Ripple’s profile in institutional blockchain adoption.
Ripple’s consistent role in enabling real-time financial applications showcases its maturity in the evolving digital payment space. Its system supports both efficiency and security, key requirements in cross-border finance. As blockchain adoption increases, Ripple’s involvement continues to appear in authoritative references.
