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A deep dive into connecting the dots: AliPay

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You sick man, i love you. Thanks for the evaluations and also your FBI sence of puttiong things in perspective. I ish you post more often, and i consider this to be very valuable posty as well as some of your other ones ! Well done and thank you very much 

Edited by Mbetti
Wrong spelling

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I think this is how it works:

1. Mobile services have partnerships with customers around the world - e.g. Alipay, Facebook Messenger.

2. Mobile services form partnerships with payment providers and banks around the world that implement Ripple and XRP.

3. Therefore customers are indirectly connected via mobile services to bank accounts around the world.

4. Mobile services offer payment service to customers utilising Ripple and XRP, where send/receive instructions are made on mobile apps and payments reflect in bank accounts real time with minimal cost.


So I think in the end Alipay, Facebook Messenger and any other messenger / mobile pay services will make use of Ripple and XRP.

If any other cryptos are used, the above logic fails as banks do not inherently support those cryptos.


If there are banks that do not form partnerships with Ripple in this way, they will lose out to the likes of Standard Chartered and Santander.

Edited by Streamliner

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38 minutes ago, Streamliner said:

If any other cryptos are used, the above logic fails as banks do not inherently support those cryptos

ripplenet accepts all fiats and crypto's, the above logic can't fail

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Thanks @Streamliner 
For the 'hard-of-thinking' such as myself :crazy: your above explanation hits the spot. This entire thing is so vast - my old brain has some difficulty keeping up! :biggrin:

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Long time lurker here, bought in at around $0.25 and been browsing this forum for the previous few months. Never really thought about making an account to contribute until reading this post. I couldn't help to think that maybe you're actually on to something here. I can't find the screenshot now or the link, but does anyone remember the conversation between the two traders that said that the banks they worked at were steadily building their position and that even they were having a hard time getting a meeting with Ripple because of a month long backlog? If I remember correctly, the one trader said that he knew for a fact that Mitsubushi Financing was meeting with Ripple the week that the conversation occured. Someone feel free to correct me if I'm wrong.

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12 hours ago, xrpmoonboiz said:

“You can't connect the dots looking forward; you can only connect them looking backwards." 

I've been sitting on this post for a couple of days, but finally decided to post it tonight. As always, just connecting dots together by using public information - this isn't my way of saying anything will happen, just information that I found incredibly interesting that I'd like to share and hear your thoughts on.

After my post connecting many dots to Ripple, I decided to look backwards and take a deeper dive into what I think could make sense for a possible partnership using xRapid. A few weeks ago I reread the article that said dLocal was using Ripple and another article saying they were partnered with AliPay, among others. Ant Financial is part of Alibaba and operates AliPay. Alibaba is massive. Ant Financial is massive (most valuable fintech in the world). AliPay is massive. I don’t think we can even comprehend how many people are intertwined with Alibaba, so I decided to start with AliPay to see what I could find. Here’s an example of what I found:

The Ripple website gives a simple breakdown of how xRapid works. Payment providers use xRapid to send XRP to banks, who then pay the beneficiaries in their currency. Here is a nice illustration: https://ripple.com/solutions/source-liquidity/

We know how big AliPay is in China, but in 2017 AliPay AGGRESSIVELY partnered with payment providers all over the world, integrating AliPay into their existing software. For example, dLocal in South America. This partnership allows Chinese buyers to make purchases from South American merchants using AliPay. AliPay deducts the amount of a payment from the buyer’s account in real-time in CNY and settles the payment to the merchant in a foreign currency. Below are some of the payment providers that AliPay has partnered with that pertain to this article - there are MANY more:

  • Zapper - dominant payment provider in UK and South Africa
  • dLocal - payment provider for South America who already uses Ripple (new office in India, but not related to this article)
  • Stripe - payment provider with global partnership with AliPay
  • Wirecard - payment provider in Germany
  • NAPAS - Vietnam
  • Quest Payment Systems - Australia
  • AliPay obviously is used in China, and it is available to Chinese visitors in Japan as well.

Time for my favorite part: connecting dots between AliPay, payment providers in certain countries or regions, and banks using Ripple in those countries. These are just some examples, there are many more.

  • US/Global - AliPay partnered with Stripe. Many banks have partnered with Ripple and they have locations throughout the world.
  • Brazil - AliPay partnered with dLocal. Santander has partnered with Ripple and has a branch in Brazil.
  • South Africa - AliPay partnered with Zapper. Standard Chartered has partnered with Ripple and has a branch in South Africa.
  • UK - Alipay partnered with Zapper. Standard Chartered has partnered with Ripple and is based in the UK.
    • Interesting tidbit - Standard Chartered Bank got its name when the Standard Bank of British South Africa merged with Chartered Bank of India, Australia and China (went by The Chartered and was incorporated in London) in 1969
  • France - AliPay partnered with multiple payment providers in Europe. Multiple banks partnered with Ripple have locations in France.
  • Germany - AliPay has partnered with Wirecard. ReiseBank has partnered with Ripple.
  • Australia - AliPay has partnered with Quest Payment Systems. NAB and Westpac Banking Corp have partnered with Ripple.
  • Vietnam - AliPay partnered with NAPAS. Multiple banks partnered with Ripple are in Vietnam.
  • China - AliPay accepted. Shanghai Huarui Bank is partnered with Ripple.
  • Japan - AliPay accepted. MUFG banking arm The Bank of Tokyo-Mitsubishi UFJ partnered with Ripple.

The next part I stumbled upon is right in front of our eyes. On Ripple’s website you can go to the XRP page, and if you scroll down to the Distributed section it has a map with white dots that are blinking. Notice the countries where these dots are: the US, Brazil, South Africa, the UK, France, Germany, Australia, Papua New Guinea, Vietnam, China, and Japan.

And these banks I mentioned above are just some examples of the banks that are in these countries. Let’s look at the number of branches of these banks:

Santander: ~650 retail banks

Standard Chartered: More than 1,200 branches

Reisebank: More than 100 locations in Germany and also partnered with Western Union

NAB: 1,590 branches as of 2014

WestPac: 1,429 branches as of 2015

Shanghai Huarui: A couple of locations, but this is big because banks need approval from the China Banking Regulatory Commission before engaging in cross-border business

Tokyo-Mitsubishi: 868 branches as of 2009 

This is what makes this so massive.

Is the map a stretch? Maybe. But maybe not. Would not put it past Ripple to slip something like this in front of us. This is just some preliminary research, but from what I can tell, AliPay is partnered with payment providers all around the world, meaning merchants all around the world can accept AliPay. xRapid fits perfectly for AliPay - XRP is sent to the payout banks all over the world whenever a customer uses AliPay, and the payout banks then send the desired currency to the beneficiaries. 

AliPay is the largest mobile payment platform in the world with over 520,000,000 users, and they are quickly partnering with every payment provider they can in order for their customers to be able to make payments all over the world.

Edit: corrected typos

Great post @xrpmoonboiz !

I really hope (as do we all) that XRP will actually be used over the xRapid (and not any other coin)

Edited by Stedas

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