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Ripple has more than partnerships with financial institutions across the world, including Santander, Canadian Imperial Bank of Commerce, Unicredit, and National Bank of Abu Dhabi, to name a few. The cryptocurrency markets are often about timing; buy the right coin at the right time and significant gains can be made. Furthermore, the gains observed in the crypto market were primarily driven by BlackRock's landmark spot bitcoin exchange-traded fund ETF filing in June. In November , Ripple partnered with MFS Africa the largest fintech in Africa to streamline mobile payment across 35 countries, which was one of the largest such partnerships to date. On the contrary, all transactions are conducted via decentralized smart contracts.
