Financial institutions and businesses have for years struggled with cross-border payments. Now, global efforts to fix the system have specific targets and deadlines attached to them.
Analyst X Finance Bull sees existing infrastructure on the XRP Ledger and Stellar networks as a direct answer to those G20 goals, tweeting that both networks can make international transfers faster and cheaper.
G20 Gives Cross-Border Payments Greater Priority
A speaker featured in a SibosTV discussion described the problems that continue to affect international payments, including high costs, slow processing, limited access, and a lack of transparency. She explained that identifying the sources of these problems has been an important part of the work to improve cross-border transactions.
She also credited the G20 with giving the initiative greater political support. According to her, the G20’s involvement helped push the agenda forward and encouraged participating institutions to work toward measurable improvements.
🚨Watch this $XRP and $XLM holders 👇
I watched this SibosTV discussion on cross-border payments and immediately thought about Ripple and Stellar.
The problems being discussed are problems we have heard about for years.
Sending money between countries is still too slow.
It… https://t.co/guiOPNJQp3 pic.twitter.com/hJap7S8dp6
— X Finance Bull (@Xfinancebull) October 10, 2026
Global Targets Set Deadlines For Payment Improvements
The Financial Stability Board has set hard deadlines. By the end of 2027, at least 75% of cross-border payments must reach recipients within one hour. Average retail payment costs must fall to no more than 1%.
The targets run through 2030, when the average global cost of sending a $200 remittance is expected to fall to 3% or less.
These goals give banks and payment providers a clear deadline to work toward, with an emphasis on making transfers faster, cheaper, and easier for people to access.
XRP Ledger And Stellar Already Support Payment Activity
X Finance Bull linked the FSB’s targets to the work already taking place on XRP Ledger and Stellar. Both networks offer fast, low-cost transactions, making them relevant to efforts to improve international payments. Several companies are already using technology connected to these networks.
Ripple and Bitso have expanded their relationship around enterprise stablecoin settlement in Latin America, including the US-Mexico payment corridor. Ripple’s published Bitso case study also identifies XRP as a settlement asset in supported payment activity.
In South Korea, Jeonbuk Bank became the first regional bank in the country to deploy Ripple Payments for cross-border remittances. Ripple has also secured regulatory status in the United Kingdom, Luxembourg and Australia.
Stellar has established its own presence in international payments. MoneyGram Ramps connects USDC on Stellar with cash-out services across more than 170 countries. In September 2026, BVNK also integrated Stellar into its global stablecoin payments platform, reporting approximately $39 billion in annualized processing volume.
Liquidity Could Become More Important
X Finance Bull’s broader point concerns the relationship between payment adoption and liquidity. As payment providers expand into more corridors, they may need additional liquidity to support transactions between different currencies. That demand could create more opportunities for assets used to facilitate transfers between payment systems.
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X Finance Bull noted that XRP and XLM stand to benefit if their networks attract more payment activity and liquidity demand. Higher transaction volumes alone would not guarantee price gains, though. Adoption rates, liquidity requirements, and actual demand for each asset would all factor in.
Stellar’s path payments feature allows users to send one currency while recipients receive another, with the conversion handled within a single transaction. This capability could become increasingly relevant as stablecoins, tokenized deposits and other digital assets expand across payment networks.
The G20’s targets extend through 2030, while XRP Ledger and Stellar already support payment-related activity. Their ability to attract more institutions, payment providers, and liquidity will help determine how much they contribute to the global effort to make cross-border payments faster, cheaper, and more accessible.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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