In a recent development, Ripple CEO Brad Garlinghouse has fueled speculation about XRP’s potential to completely reshape global payments. His statements, shared by XRP Avenger (@XRP_Avengers), highlight the asset’s growing impact on international transfers. **According to Garlinghouse, XRP is addressing inefficiencies in cross-border money movement that traditional systems like SWIFT have struggled with.** He emphasizes how XRP enables financial institutions to bypass the need for pre-funded accounts across multiple countries, as SWIFT often mandates banks maintain funds outside their home country. This added complexity can significantly hinder transfer speed and cost. XRP’s real-time liquidity solution eliminates this obstacle by allowing instant access to funds, with transactions completed in seconds, a significant leap from traditional SWIFT speeds.** This technology facilitates faster transfers between banks without the involvement of third parties, leading to reduced costs and expedited processing times. Garlinghouse further underlines XRP’s key advantage—its speed compared to Bitcoin. **He highlights that XRP’s processing time is much quicker at just three seconds, making it ideal for real-time global transfers, unlike Bitcoin’s slower approach.** XRP’s impact on financial systems has been validated by its integration into numerous financial products and services. Ripple asserts that these successes position XRP as a strong contender to eventually replace SWIFT as the dominant global settlement system. Ripple President Monica Long adds to this, stating that XRP is significantly more energy-efficient than Bitcoin,** making it an attractive choice for banks seeking sustainable solutions. **Garlinghouse assures users that XRP will operate seamlessly behind the scenes without requiring cryptocurrency possession.** The growing community of XRP holders believes Ripple’s partnerships and the asset’s speed could pose a challenge to SWIFT’s long-held dominance in international finance. As the Ripple network expands, the company continues its efforts to further enhance XRP as an alternative to SWIFT. **With increasing support from both leaders and users, XRP might become a primary tool for global money transfers.**