Ripple CEO Brad Garlinghouse has again discussed the company’s strategy in addressing cross-border payments, distinguishing Ripple’s role from that of central bank digital currencies (CBDCs).
In a recent interview, Garlinghouse explained that CBDCs are “domestic by nature”, since they are issued or potentially issued by central banks and are most often designed for internal monetary solutions rather than international transactions.
The video of Garlinghouse’s remarks was shared by Lord XRP (@Bitforcoinz), a prominent digital asset commentator. The CEO’s comments come at a time when governments worldwide continue to experiment with digital currency.
His post emphasizes the growing relevance of Ripple and XRP within the banking sector. It echoes the CEO’s view that the company is positioned to address financial challenges that extend beyond national boundaries.
Brad Garlinghouse aboout the banking system and CBDCs. #Ripple and #XRP are solving a real problem and banks are trusting more and more in #XRP.💪 pic.twitter.com/VC5avE56b6
— Lord XRP (@Bitforcoinz) September 16, 2025
Ripple’s Cross-Border Approach
Garlinghouse argued that while CBDCs play an important role in domestic markets, they do not solve international transaction inefficiencies.
According to the Ripple CEO, Ripple’s focus remains on developing solutions that ease frictions in the global payments landscape. “They’re solving domestic problems more often than not,” he said of CBDCs, making clear that cross-border settlement requires a different approach.
In that context, Ripple has sought to leverage the XRP Ledger (XRPL) as a platform for tokenized assets and cross-border settlement. Garlinghouse confirmed that several central banks are already collaborating with Ripple to issue and test digital currencies on the XRPL, with some partnerships announced publicly and others yet to be disclosed.
He described these initiatives as examples of how Ripple’s infrastructure can extend into both enterprise and government use cases.
Central Banks as Enterprise Clients
Garlinghouse also addressed Ripple’s experience in managing large-scale institutional relationships. He stated that governments can be treated much like corporate customers, requiring tailored solutions and reliable infrastructure.
“A government is just a big enterprise customer,” he said, pointing to Ripple’s success in working with major banks and payment providers as evidence of its capability to serve public institutions.
This perspective reflects Ripple’s history of building technology for financial institutions. Garlinghouse noted that both global banks and smaller payment firms have grown quickly by adopting Ripple’s XRP-powered tools, suggesting that similar growth opportunities exist when governments choose to integrate with the XRPL for issuing and managing digital assets.
While many central bank experiments remain in pilot phases, Garlinghouse’s remarks highlight Ripple’s proactive role in offering tested solutions for large-scale use.
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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