Ripple’s continued engagement with banks remains a strategic pillar of its mission to modernize global payments infrastructure. In a recent CoinDesk sit-down, Ripple President Monica Long underscored this by saying, “We’re always talking to banks because a key advantage for us is our payout network.”
The comment, highlighted by crypto researcher WrathofKahneman on X, sparked renewed discussion across the XRP community about Ripple’s growing influence behind the scenes of global financial settlements.
While Ripple’s public-facing announcements often focus on product updates and regulatory developments, this remark from Long reveals the deeper infrastructure focus Ripple is quietly building, one centered on a robust and expansive payout network that bridges traditional financial institutions and emerging blockchain technology.
Livewatch: @MonicaLongSF in CoinDesk sit down, "We're always talking to banks because a key advantage for us is our payout network"
— WrathofKahneman (@WKahneman) June 12, 2025
A Payout Network Built for Global Scale
At the heart of Ripple’s strategy is RippleNet, the company’s enterprise blockchain network designed to offer seamless cross-border payment capabilities. But it’s not just about software — Ripple’s edge lies in the breadth and depth of its payout relationships. By cultivating partnerships with financial institutions, remittance providers, and payment processors worldwide, RippleNet enables rapid fiat settlements in over 70 markets, offering competitive cost advantages and transaction speed far beyond traditional correspondent banking models.
Monica Long’s emphasis on Ripple’s payout network speaks to the logistical muscle Ripple is leveraging to give banks and payment providers a viable blockchain alternative without forcing a disruptive overhaul of their internal systems. It’s this hybrid approach — bridging traditional rails with blockchain-based efficiencies — that makes Ripple attractive to institutions cautious about transitioning to crypto-first models.
XRP’s Utility as the Silent Accelerator
As an XRP community member, aixrp pointed out in response to the discussion, Ripple’s strategy is about more than just forging bank partnerships; it’s about evolving how money moves globally. According to aixrp, Ripple isn’t merely “messing around with banks” but “redefining how cross-border payments get done behind the scenes.” That redefinition is powered, in large part, by XRP’s role as a bridge asset within Ripple’s On-Demand Liquidity (ODL) system.
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With ODL, financial institutions can move value between currencies instantly without pre-funding destination accounts. This eliminates capital inefficiencies and reduces liquidity costs — a transformation that institutions like Tranglo and SBI Remit are already benefiting from. The result is faster settlement times, lower transaction fees, and more flexible liquidity options — exactly the kind of solutions banks are seeking as global commerce becomes more digitized and instantaneous.
A Strategic Vision from the Top
Monica Long’s leadership, as noted by Aixrp, reflects Ripple’s broader commitment to scaling infrastructure in a way that aligns with how real-world payments work. This vision goes beyond speculative hype and zeroes in on utility, enterprise trust, and regulatory clarity. Her continued push to integrate Ripple’s technology into bank-grade environments is not about creating disruption for disruption’s sake but about building a bridge between blockchain innovation and institutional trust.
As financial settlements increasingly demand speed, transparency, and lower costs, Ripple is positioning itself as a quiet but powerful force capable of reshaping the way value moves across borders. And with XRP’s unique role in that architecture, the companies and banks that embrace it early may find themselves ahead of the curve.
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 urged to do in-depth 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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