Focus on Global Payments and Liquidity
The CEO explained that the company leverages XRP as part of its efforts to modernize cross‑border transactions. He described XRP as the digital asset Ripple uses to address liquidity requirements between banks.
According to Garlinghouse, “today there’s $27 trillion parked at different banks around the world so they can make payments between each other.” Ripple’s position is that XRP can streamline this process by allowing institutions to move funds instantly without holding vast sums in dormant accounts.
This approach directly ties XRP’s value to its capacity to improve efficiency in the global financial system. By enabling real‑time settlement, Ripple believes XRP can help reduce costs and unlock capital that is otherwise idle.
Efficiency Compared to Other Assets
Garlinghouse also compared XRP’s performance with other well‑known cryptocurrencies. He highlighted XRP’s settlement speed, stating that it completes transactions in 3 seconds, unlike Bitcoin, which can take up to an hour or more.
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His comments suggest that if large institutions begin moving substantial sums using blockchain technology, they will prioritize networks capable of handling transactions quickly and at scale. In Garlinghouse’s view, XRP already meets these requirements, making it a viable solution for banks and financial players.
Market Direction and Institutional Interest
The video reinforces the perspective that once financial institutions adopt blockchain solutions for liquidity management, they will look to assets that have already proven themselves in real‑world environments. According to X Finance Bull, Wall Street and the banks can already see the value of XRP.
Garlinghouse’s remarks align with Ripple’s long‑standing position that adoption depends on solving real challenges, not hype. XRP’s speed, scalability, and focus on financial utility continue to position it as a serious contender in the evolving digital asset landscape.