Technical analyst AllinCrypto recently shared a video clip of Ripple CEO Brad Garlinghouse discussing the limitations of current global payment systems and the opportunities blockchain technology, particularly the XRP Ledger, could provide.
In the video, Garlinghouse questioned why large global marketplaces such as Amazon have not adopted blockchain solutions to improve efficiency in payouts and reduce friction.
Garlinghouse pointed out that Amazon, despite being one of the world’s largest corporations valued in the trillions, only supports payouts in 19 different currencies across its marketplace operations.
He described this as a patchwork of integrations spanning regions such as India, China, and the European Union. According to Garlinghouse, the fragmented nature of these systems results in inefficiencies that could be addressed through blockchain-based infrastructure.
Ripple CEO Brad Garlinghouse questions why marketplaces like Amazon have not yet adopted blockchain technology like the XRP Ledger for payments: "Uber knows that if they can pay their drivers more frequently, the retention of their drivers goes up."$XRP $RLUSD pic.twitter.com/Cr4QG5DTkc
— ALLINCRYPTO (@RealAllinCrypto) September 16, 2025
The Case of Uber and Driver Payments
Garlinghouse extended his argument by referencing Uber, noting that the ride-hailing company faces challenges in retaining drivers. He explained that Uber is aware of the correlation between frequent driver payments and higher retention rates. However, the company currently pays drivers on a two-week cycle, which creates friction compared to more immediate settlement options.
He highlighted the contrast with traditional taxi services, where drivers receive payment instantly through cash or credit card transactions, even though credit card settlements may take a couple of days.
For Uber drivers, the delay in receiving earnings reduces incentives, creating additional burdens for the company, which then needs to keep acquiring new drivers to replace those leaving the platform.
Garlinghouse argued that blockchain technology could help remove such inefficiencies. By enabling instant, low-cost, and reliable settlements, platforms like Uber could pay drivers after each trip, thereby improving retention and reducing operational costs associated with driver churn.
Ripple’s Broader Vision for Payments
The Ripple CEO emphasized that the company’s broader goal is to create a global, real-time, and cost-efficient payments infrastructure. He outlined Ripple’s approach to enable businesses to integrate through a single API, providing access to liquidity, and allowing transactions to flow seamlessly into banks or payment networks.
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He noted that this vision is designed to meet the expectations of a new generation that has grown accustomed to immediacy in services, from food delivery to online purchases. According to Garlinghouse, the expectation of real-time services now extends naturally to payments, and companies must adapt to this shift.
Garlinghouse further stated that Ripple’s technology aims to reduce errors and failed transactions, creating an experience that is both efficient and reliable for banks and their customers. By scaling RippleNet with this approach, the company hopes to meet a growing demand for on-demand and real-time payment solutions that fit modern consumer and business needs.
In his closing remarks, Garlinghouse underlined the importance of making payments not only faster but also more cost-effective and accurate, ensuring that businesses and individuals alike benefit from an improved financial system powered by blockchain technology.
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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