Ripple CEO Brad Garlinghouse recently asserted that XRP is poised to disrupt the traditional cross-border payments landscape. He emphasized XRP’s speed, scalability, and efficient settlement capabilities, contrasting it with existing systems like SWIFT. According to Garlinghouse, XRP facilitates instant cross-border settlements without pre-funded accounts, offering a significant improvement in cost and time over legacy methods. Ripple’s vision aims to replace or rival SWIFT, the 50-year-old messaging network used by banks worldwide. This shift would be facilitated by XRP’s ability to move liquidity globally instantly and efficiently. With growing institutional interest and rising on-chain activity, XRP’s potential as a future backbone for international payments is gaining traction in both crypto and banking circles.