December 1, 2025. Ripple announced a major regulatory upgrade in Singapore, reinforcing its ambition to make XRP the central instrument for global payments. The extended license allows the company to simplify cross-border money transfers, expand its payment infrastructureand provide faster and more transparent settlement to financial institutions around the world.
Ripple is intensifying its playbook for global payments
The Singapore’s regulatory upgrade is expanding the scope of Ripple’s Major Payment Institution (MPI) license, granting its subsidiary, Ripple Markets APAC Pte. Ltd., the authority to operate a fully regulated end-to-end payment platform. The license allows Ripple to manage fundraising, safe custody, token conversion and final payouts within a single operating framework. XRP and Ripple’s stablecoin RLUSD they are built into the system, consolidating complex cross-border processes into a fast, harmonized and transparent environment.
Related reading
This upgrade positions Ripple as a turnkey solution for banks, enterprises and fintech companies. By managing regulatory compliance and technology infrastructure, Ripple removes the fragmentation that slows down legacy systems. These institutions now have a single point of contact, reducing complexity and making operations more efficient.
Ripple is also expanding its geographic reach through strategic partnerships. His cooperation with Bahrain Fintech Bay enables the company to launch a pilot program, trial real-world payments and early implementation of token-driven services in the Gulf region. These initiatives help Ripple establish liquidity corridors, embed its infrastructure into local financial ecosystems and build familiarity with regional regulators.
Financially, Ripple strengthened its position with a $500 million funding round in November 2025, which valued the company at roughly $40 billion. The capital is directed towards scaling the payment infrastructure, improving business tools and expanding the stablecoin program. With these resources, Ripple can deploy its technology more quickly, integrate with new partners more effectively, and advance its own dominance on the market of institutional payments.
XRP’s expanding utility in Ripple’s global framework
XRP remains the settlement engine of Ripple’s infrastructure, providing instant liquidity, fast transaction settlement and multi-currency interoperability. This functionality enables Ripple to address high-friction payment corridors such as those in Africawhere is it works with regional bidders to replace slow correspondent banking chains with XRP enabled settlements. In the Asia-Pacific region, growing on-chain activity and rising institutional demand are creating favorable conditions for token-based cross-border payments. Singapore’s MPI upgrade now offers a regulated launch pad to deliver XRP-powered rails to these high-growth regions.
Related reading
Building on these foundations, Ripple is creation a vertically integrated ecosystem where fiat, stablecoin and digital assets operate through a unique platform. Within this framework, XRP bridges currencies, provides high liquidity and executes transactions faster than traditional systems. Each regulatory approval, partnership and infrastructure deployment further embeds XRP into the backbone of the global financial infrastructure.
Together, these milestones illustrate Ripple’s multi-market strategy: expanding regulatory clarity, deploying robust infrastructure, and demonstrating XRP’s real-world utility. The upgrade in Singapore is a decisive step in this progress, reinforcing Ripple’s ongoing movement towards XRP becoming a central tool for cross-border payment systems.
Featured image created using Dall.E, chart from Tradingview.com
About the Author
