XRP Is on the Radar of UK Policymakers. Here’s the Latest

A recent X post by SMQKE spotlighted a written submission to the UK Foreign Affairs Committee by the Emerging Payments Association (EPA). In this document, the EPA identifies “a Ripple-based messaging system backed with XRP, the Ripple token,” as a tool for real-time transmission of both the payment message and the funds.

The association explains that such a system could eliminate the need for banks at both ends of a cross-border transaction to hold pre-funded liquidity. It also notes that smart contracts could enable 100% guaranteed Letters of Credit, underscoring the transformative power of this technology.

Understanding the EPA’s Role The EPA, founded in 2008, represents more than 130 members who collectively employ over 300,000 staff and process more than £7 trillion annually. Its membership spans the full payments value chain—banks, issuers, merchant acquirers, payment processors, retailers, and technology providers.

The EPA collaborates with regulators such as the Bank of England , FCA, HM Treasury, and international partners across Europe and Asia, giving its recommendations significant industry weight. THE EMERGING PAYMENTS ASSOCIATION URGES UK PARLIAMENT TO CONSIDER XRP FOR CROSS-BORDER PAYMENT INNOVATION AS A TECHNOLOGY THAT IS SHIFTING GLOBAL FINANCIAL POWER XRP is on the radar of UK policymakers.

“The benefit of a Ripple-based messaging system backed with XRP,… pic. twitter.

com/gRpphrHqkk — SMQKE (@SMQKEDQG) September 18, 2025 Historical Engagement with Ripple While the EPA’s submission dates to mid-2021, it builds on earlier UK exploration of Ripple technology. In 2017, the Bank of England ran a proof-of-concept with Ripple to test synchronized movement of currencies across real-time gross settlement systems, aiming to reduce settlement risk and improve speed.

Ripple has also provided evidence to other UK parliamentary inquiries, reinforcing the government’s familiarity with its cross-border payment solutions. Current Policy and Regulatory Landscape The UK government is actively enhancing its crypto asset regulatory framework, with HM Treasury and the Financial Conduct Authority issuing consultations and draft rules to bring clarity to the legal landscape for crypto activities while promoting innovation, safeguarding consumers, and maintaining financial stability.

We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Against this backdrop, the EPA urges policymakers to create an environment that can “enable these technologies” so the UK can remain a global hub for payments innovation. Opportunities and Hurdles The EPA argues that XRP-backed systems could cut liquidity costs, shorten settlement times , and enable conditional payment instruments for international trade.

Yet it also cautions that successful adoption depends on robust regulation, interoperability standards, and accountability mechanisms. Banks and financial institutions will require clarity on token classification, anti-money-laundering safeguards, and legal settlement finality before committing to large-scale use.

Outlook SMQKE’s post highlights that UK policymakers recognize XRP’s potential to transform cross-border payments. While no official adoption has been announced, the combination of EPA advocacy, past Bank of England pilots, and ongoing regulatory work positions the UK to evaluate XRP as part of its future payments strategy.

Industry watchers should follow forthcoming government consultations and central-bank pilots for the next concrete steps in this evolving story. Disclaimer : This content is meant to inform and should not be considered financial advice.

The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions.

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