Ripple CEO’s Bold XRP Gambit: Can It Finally Crack the Cross-Border Payment Code?
Brad Garlinghouse doubles down on XRP’s role in revolutionizing global payments—just as traditional banks start pretending they liked blockchain all along.
The audacious vision? Slash settlement times from days to seconds. The cynical reality? Wall Street will adopt it only after taking 37% in fees and calling it ’innovation.’
XRP’s liquidity corridors are live, but the real test comes when SWIFT dinosaurs try to compete with internet-native speed. Place your bets—this horse race just got interesting.

Garlinghouse: “Technology is 50 Years Behind”
In an interview with Fox Business, Garlinghouse highlighted the inadequacies of current payment networks in terms of technology. He expressed that existing systems still operate on infrastructures that date back half a century, emphasizing the urgent need for modernization in this domain.
According to Garlinghouse, the trillions of dollars in cross-border payment volumes present a significant opportunity for transformation. Ripple aims to eliminate inefficiencies in this sector with blockchain-based solutions, facilitating faster and lower-cost transactions.
Hope for XRP’s Rise Continues
Market data indicates that XRP is trading around $2.28. Despite daily fluctuations, its persistence at weekly highs suggests sustained investor interest. However, a slight decrease in trading volume raises concerns that buying pressure may ease over time.
Some market analysts suggest that a substantial price jump for XRP could occur if Ripple’s targeted transformation comes to fruition. Even capturing a small portion of the market could propel XRP’s price into the dozens of dollars.
According to modeling by Grok3, if Ripple secures a particular market share, the price of XRP could reach as high as $48.89. Other analyst forecasts propose that if banks and payment companies adopt XRP, the token could rise to $34.
Ripple’s strategic approach aims to dismantle traditional structures while reshaping the entire industry’s dynamics. Whether this goal will be achieved will become clearer as actions are taken over time.
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