Based on the research results, here is a list of countries that have adopted the currency **$XRP ** or collaborated with **Ripple** to enhance their financial services, especially in the field of cross-border remittances:

### 1. **Japan**

- **#Ripple ** collaborated with **SBI Holdings** for cross-border remittances using **#xrp **, and launched the **MoneyTap** app for instant payments.

### 2. **United States**

- **Bank of America** adopted **$XRP ** for domestic transactions.

- **Santander Bank** and **American Express** use **Ripple** technology.

### 3. **United Kingdom**

- Companies like **TransferGo** and **Currencies Direct** use **RippleNet** to speed up international remittances.

### 4. **United Arab Emirates**

- **RAKBANK** uses **XRP** to expedite cross-border payments.

### 5. **Mexico**

- **Cuallix** and **Mercury FX** use **XRP** for low-cost remittances between Mexico and the United States.

### 6. **Philippines**

- **XRP** is widely used in remittances from expatriates, with partnerships like **SendFriend**.

### 7. **India**

- **Kotak Mahindra Bank** and **IndusInd Bank** use **Ripple** to enhance international remittances.

### 8. **Australia**

- **Airwallex** and **Novatti** use **XRP** for remittances.

### 9. **Brazil**

### 10. **Montenegro**

### Other countries:

- **Canada** (CIBC)

- **Germany** (DZ Bank)

- **Thailand** (Siam Commercial Bank)

- **Egypt** (National Bank of Egypt)

### Conclusion:

**$XRP ** is gaining widespread adoption in international remittances.