$XRP SMQKE (@SMQKEDQG), a prominent crypto researcher on X, recently highlighted Ripple’s significant progress in expanding its global payments network with XRP.
He shared a video of a Crypto Valley panel in Zurich this month, where the discussion focused on how Ripple is leveraging XRP and blockchain technology to support faster, more efficient global transactions.
✨Banks Embrace Crypto for Payments
In the video, Tania Griffith, Ripple’s Sales Director, explained that banks and financial institutions are increasingly comfortable using crypto and blockchain for payments.
Tania noted that stablecoins have become a “proven and scalable use case” for these institutions. Griffith emphasized the benefits, including faster settlement times, lower costs, 24/7 operations, and enhanced security.
European banks are starting to integrate crypto solutions, allowing their customers to buy, sell, and manage digital assets. Griffith linked this progress to the EU’s MiCA regulation, which has provided a clearer framework for financial institutions to adopt digital payments.
✨Enhanced Liquidity Supports Non-stop Settlements
Ripple has witnessed a dramatic increase in crypto market liquidity over the past few years. Griffith highlighted that the company has moved from relying on a few exchanges with limited volume to building a global network of liquidity providers, stablecoins, and major financial infrastructure players. She stated, “That means larger payments, and it also means better FX rates.”
This liquidity expansion enables true 24/7, 365-day settlement capabilities. Ripple’s approach addresses the inefficiencies of traditional cross-border payments, which were not designed for real-time transactions in today’s global economy.
✨Blockchain Complements Fiat Systems
Griffith explained that Ripple views blockchain and crypto as complementary to traditional financial rails rather than alternatives. She described Ripple’s enterprise settlement system, which uses digital assets like XRP to streamline cross-border payments.
She gave an example of Ripple using XRP as a bridge to enable instant settlement between less common currency pairs, addressing challenges that traditional systems struggle to solve.
✨Licensed Payment Solutions and RLUSD
Griffith noted that Ripple launched its first licensed payment solution in November 2023. This move lets it offer a fully-regulated product with enterprise-grade compliance.
It also uses RLUSD, a stablecoin introduced in 2024, which customers employ to streamline cross-border treasury payments. These developments show the company’s focus on secure, efficient, and regulated crypto-based financial infrastructure.
✨From Technology to Regulated Finance
The panel emphasized Ripple’s evolution to a fully-regulated financial business. Ilya Volkov, CEO of YouHodler, stated, “It all started as technology, crypto, ICO, some tokens, but now we’re speaking about a fully-regulated financial business.”
XRP now supports secure, real-time, and cost-efficient global payments. Griffith confirmed this progression, signaling that Ripple’s focus on compliance and enterprise-grade solutions positions XRP as a central tool in global payment networks.
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