Ripple CEO Brad Garlinghouse has made headlines once again, declaring that XRP will play a foundational role in transforming the U.S. banking system.
Speaking at the XRP Las Vegas 2025 conference, Garlinghouse described Ripple’s mission as nothing short of “rewiring the entire financial infrastructure,” emphasizing that the company is not trying to replace banks—but to modernize them.
This bold vision comes on the heels of Ripple’s decision to drop its cross-appeal in its long-standing legal battle with the U.S. Securities and Exchange Commission (SEC), signaling a new chapter focused on innovation and institutional adoption.
Ripple’s Strategy: Integration, Not Disruption
Unlike many crypto projects that aim to bypass traditional finance, Ripple’s approach is collaborative.
Through its On-Demand Liquidity (ODL) platform, Ripple uses XRP to eliminate the need for pre-funded accounts in cross-border transactions. This reduces costs, increases speed, and improves transparency for banks and financial institutions.
🚨 BREAKING: Brad Garlinghouse CONFIRMS #XRP will play a key role in the new U.S. banking system! 🇺🇸🏦$XRP to $1,000–$10,000? 🤯💰
A historic financial shift is underway…Are you ready? 🔥🚀 pic.twitter.com/Boyefqdr92
— 𝕏aif🇮🇳|🇺🇸 (@Xaif_Crypto) June 28, 2025
Garlinghouse paraphrased Ripple CTO David Schwartz, saying, “We underestimate how big that change is and how profound it is.” He added that the full impact of this transformation may not be fully appreciated for another 10 to 20 years.
Institutional Momentum and Regulatory Clarity
Ripple’s momentum is backed by recognition from the U.S. Faster Payments Council and Morgan Stanley, which identified Ripple as a serious challenger to SWIFT’s $5 trillion-per-day network.
The company’s recent acquisition of Hidden Road, a non-bank prime broker, and the launch of its RLUSD stablecoin further signal its intent to embed XRP into the core of institutional finance.
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