*Companies that Use Ripple Technology*

Ripple is a financial technology company that develops solutions to modernize the global payment system. Here are some of the companies and countries that use Ripple technology:

*Banks and Financial Institutions*

- *Santander*: uses RippleNet for fast transactions between Europe and Latin America
- *SBI Holdings*: uses RippleNet and XRP for fast international payments and business solutions
- *Standard Chartered*: uses RippleNet to streamline international payments between branches and trading partners in emerging markets
- *PNC Bank*: uses RippleNet for real-time corporate payments
- *Itaú Unibanco*: uses RippleNet to optimize international payments in the region
- *American Express*: uses RippleNet to facilitate real-time cross-border payments between businesses

*Countries Working with Ripple*

- *Russia*: developing central bank digital currency (CBDC) with Ripple
- *Republic of Palau*: developing CBDC with Ripple
- *Montenegro*: developing CBDC with Ripple
- *Japan*: developing CBDC with Ripple
- *United Arab Emirates*: developing CBDC with Ripple
- *Uruguay*: developing CBDC with Ripple
- *New Zealand*: developing CBDC with Ripple
- *Hong Kong*: developing CBDC with Ripple
- *Philippines*: developing CBDC with Ripple
- *Bhutan*: developing CBDC with Ripple

*Other Companies*

- More than 441 companies use Ripple technology, including technology companies, marketing, hospitals and healthcare, and other financial institutions
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It is important to note that the list of companies and countries that use Ripple technology may vary over time and may not be exhaustive. Ripple continues to expand its network and partnerships, so it is likely that more companies and countries will be added to the list in the future.