Ripple in Talks with UAE on Fintech and Digital Payments
Ripple Labs, one of the leading companies in the blockchain and digital payments space, held high-level talks with United Arab Emirates (UAE) officials at the Dubai Fintech Summit.
5/15/20253 min read


How are the negotiations between Ripple and the UAE going?
Led by President Monica Long, the Ripple delegation discussed with UAE officials, including Ahmed bin Saeed, the development of digital payments infrastructure and the promotion of financial innovation through blockchain technology. The discussions focused on integrating Ripple’s technology, specifically the XRP Ledger (XRPL) and the stablecoin RLUSD, into the UAE’s financial system to improve cross-border payment efficiency. According to the Dubai Media Office, the goal is to build a more modern, transparent and fast financial ecosystem, taking advantage of the progressive regulatory environment in the UAE.
The UAE, especially Dubai, has emerged as a global hub for fintech and blockchain thanks to its innovation-friendly policies. The Dubai International Financial Centre (DIFC) is now home to over 1,000 fintech startups, venture capital funds, and regulators, creating an ideal ecosystem for companies like Ripple. Previously, in March 2025, Ripple became the first blockchain payments company to receive a license from the Dubai Financial Services Authority (DFSA), allowing it to provide regulated crypto payments services in the DIFC.
What economic potential does the UAE market bring to Ripple?
The UAE’s cross-border payments market is valued at around $40 billion, while the country’s trade volume is $400 billion per year. With the DFSA license, Ripple has the opportunity to access these markets, offering faster and lower-cost payment solutions than traditional systems. According to a Bitwise report, the global cross-border payments market will reach $150 trillion by 2022, and capturing just 1% of this market share could bring Ripple’s annual transaction volume to $2.5 trillion by 2027.
Ripple’s stablecoin RLUSD, launched in December 2024, has a market capitalization of over $130 million and is integrated into the company’s payment services in the UAE. This not only strengthens Ripple’s position in the stablecoin space but also directly competes with rivals such as USDT and USDC. Additionally, Ripple’s partnership with the DIFC Innovation Hub since 2024 has laid the foundation for accelerating blockchain adoption in the region, with the aim of supporting startups and increasing the use of XRPL.
How could a partnership with the UAE change Ripple’s position?
The UAE is Ripple’s gateway to other markets in the Middle East and Africa, where demand for digital payments is growing rapidly. Previous partnerships with Chipper Cash and Onafriq have helped Ripple expand in Africa, and the UAE will be a springboard to strengthen this position.
The discussions come amid a volatile XRP price, with analyst MikyBull Crypto predicting that the price could reach $4-6 in this market cycle. The partnership with the UAE could drive real demand for XRP, especially if financial institutions adopt XRPL for cross-border payments.
Ripple is not the only company targeting the blockchain payments market. Rivals such as Stellar (XLM) and SWIFT’s blockchain solutions are also competing fiercely. However, the DFSA license and strategic partnership with the DIFC give Ripple a first-mover advantage in the UAE.
The UAE is preparing to launch the Digital Dirham, a digital currency issued by the Central Bank of the UAE (CBUAE), by the end of 2025. Ripple’s technology, with its experience in blockchain payments, can help integrate the Digital Dirham into global payment systems, increasing efficiency and transparency.
How will this partnership shape the future of fintech?
Ripple’s engagement with the UAE at the Dubai Fintech Summit is a significant milestone, underscoring the company’s ambition to reshape the global payments landscape. With a DFSA license, strategic partnerships, and cutting-edge technology such as XRPL and RLUSD, Ripple is well-positioned to capitalize on the potential of the UAE market. However, to maintain its competitive edge, the company needs to continue innovating and building relationships with major financial institutions. This event not only benefits Ripple, but also helps cement the UAE’s position as a leading fintech hub in the world.
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