Recent updates to public certificate transparency records highlight ongoing technical connections between Ripple Labs Inc. and several major banks, including Bank of America, QNB, Banorte, Scotiabank, and CIMB. These findings arise from the discovery of renewed and maintained TLS certificates on domains referencing Ripple under each bank’s digital infrastructure.
Key technical links with major banks
The certificate logs, accessible through platforms such as crt.sh, display domains linked to Ripple or similar identifiers beneath leading financial institutions. One notable entry relates to a Bank of America address labeled “prod,” indicating a live production environment. The certificate, officially issued to Ripple Labs Inc., saw its first activation in late October 2023, was renewed in 2024, and is scheduled for a subsequent renewal on October 27, 2025. The associated domain remains active.
Bank of America is a multinational financial services corporation serving clients worldwide. The institution has been recognized as a RippleNet member for several years. However, inclusion in RippleNet, which operates as a secure financial messaging and connectivity platform, does not necessarily mean the bank uses XRP in settlement processes.
Bank of America has retained a presence on RippleNet, but this alone does not confirm that the bank employs XRP for transactions or settlements.
Additional banks appearing in these certificate transparency records include Qatar National Bank (QNB), Grupo Financiero Banorte, Scotiabank, and CIMB.
For QNB, certificates for the subdomain rippleqa.qnb.com go back to August 2021, with the most recent update dated August 4, 2026. In Banorte’s case, the latest certificates under its relevant domains were issued in September 2026. Scotiabank’s Ripple-related certificates first emerged in October 2024, with the most recent issued on September 28, 2026. CIMB’s certificates date as far back as January 2020, most recently updated in July 2025.
| Bank | First Ripple-Linked Certificate | Most Recent Renewal | Certificate Domain Example |
|---|---|---|---|
| Bank of America | Oct 2023 | Oct 2025 (scheduled) | Ripple-related prod domain |
| QNB | Aug 2021 | Aug 2026 | rippleqa.qnb.com |
| Banorte | 2021 | Sep 2026 | Banorte Ripple subdomain |
| Scotiabank | Oct 2024 | Sep 2026 | Scotiabank Ripple subdomain |
| CIMB | Jan 2020 | Jul 2025 | CIMB Ripple subdomain |
The regular renewal of these certificates and active resolution of the respective domains suggest that technical integrations with Ripple systems remain current. Experts note this is more consistent with ongoing infrastructure rather than legacy test environments that have been discontinued.
Mini dictionary: Certificate transparency logs, operated on an open basis since 2013, are public records that track the issuance and renewal of digital certificates for secure domains, allowing technology experts and security researchers to independently verify which organizations control or have configured certain domains.
Technical signals, not direct evidence of active payment flows
Despite providing insight into backend infrastructure, certificate transparency logs do not reveal transaction levels, the specific role of XRP as a bridge asset, or whether any live payment flows occur over these connections. RippleNet functions as a messaging layer for cross-border financial transactions and can operate independently of On-Demand Liquidity, the product that utilizes XRP for instant settlements.
Recent public statements from the named banks have not confirmed any operational milestones or transaction volumes linked to the maintenance of these certificates. Nevertheless, technical records indicate that the banks continue to allocate resources to Ripple-related domains and digital security upkeep.
The presence and renewal of these certificates across several institutions suggest ongoing technical readiness for Ripple integrations, but do not constitute direct evidence of settlement activity or live use of XRP.
For banks with a known history of RippleNet exploration or participation, the visibility of these certificates into 2026 aligns with expectations that some level of technical development or testing remains active.
