Versan Aljarrah, founder of Black Swan Capitalist, read what Ripple CEO Brad Garlinghouse said about central banks and reached a notable conclusion.

He identified central banks as the major customers for XRP’s core function, describing the asset as inventory built to store and move value instantly, worldwide, at near-zero cost.

That post did not arrive without context. Garlinghouse had laid out the problem in specific terms. The Central Bank of the Netherlands spent months relocating $11 billion in gold from New York to London. About 70% of it never physically moved. The bank sold the gold in New York and repurchased it in London.

Germany once took four years to move 674 tons of gold worth $36 billion from vaults in Paris and New York. Garlinghouse described institutions as “still moving value the way they did in the 1940s” and described their continued reliance on legacy infrastructure as “confounding.”

Ripple’s CEO just told you who the customer is. Central banks. Store value. Move value. Instantly. Worldwide. Almost free. XRP is the inventory built for that movement. That’s not a hint. That’s the product. https://t.co/4ezoQCyrkY

— Versan | Black Swan Capitalist (@VersanAljarrah) September 7, 2026

Aljarrah’s Earlier Position

This is not the first time Aljarrah has placed central banks at the center of the XRP thesis. He previously posted that central banks “are working with Ripple to redefine global finance by harnessing the power of XRP in cross-border value transfer.” He called XRP “the ultimate powerhouse in the world of finance.”

His new post builds directly on that claim. Garlinghouse gave him the evidence. Aljarrah drew the line from the problem to the institution facing it, and then to the asset he believes solves it.

XRP as a Solution

The XRP Ledger processes cross-border value transfer in under 5 seconds. Tokenized gold on the ledger settles on-chain while the gold stays in the vault. Ownership transfers without physical logistics, coordination delays, or settlement lag.

Garlinghouse noted that crypto grew from a $1.5 billion experiment to a $2.7 trillion asset class while central banks continued operating on decades-old systems. The XRP Ledger exists as an alternative to those systems.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

The Argument Aljarrah Is Making

Aljarrah has consistently argued that XRP holds a structural role in global finance. His earlier claim placed XRP inside active institutional engagement with Ripple. His newest post takes Garlinghouse’s public commentary and uses it to define the customer, the function, and the asset.

Central banks move enormous volumes of value across borders. Existing infrastructure requires months to complete transactions that the XRP Ledger completes in seconds. Aljarrah looked at that gap and said that Garlinghouse identified it. Then he named XRP as the solution already built for it.

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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Brad Garlinghouse, CEO of Ripple, follows exactly 589 accounts on X. Crypto analyst Dark Defender (@DefendDark) recently highlighted this detail, and the XRP community read it as anything but coincidental. The precision of that number is what caught attention.

Dark Defender argues that Garlinghouse cannot publicly state a price target for XRP. Regulatory constraints make that impossible because he’s the CEO.

So the argument goes that following 589 people is his way of showing it without saying it. “589 was never a number,” Dark Defender wrote. “A password. It is the sentence nobody in the room is allowed to say out loud.”

Brad cannot say a price. He is a CEO.
So he follows exactly 589 accounts.
The XRPL Foundation cannot say a price either.
So it hid 5, 8 and 9 in a picture.

589 was never a number. A password.

It is the sentence nobody in the room is allowed to say out loud.

1.3M followers is a… pic.twitter.com/8B2cvJTLAW

— Dark Defender (@DefendDark) September 5, 2026

The Follow Count Is Not Accidental

When Garlinghouse went off X earlier in the year, his following count dropped to 588. When he returned, it went back up to 589. The community reads this as deliberate maintenance. Garlinghouse has 1.3 million followers, which Dark Defender described as a bonus. It makes the precision of his 589 following count all the more striking.

The $589 price target has circulated in XRP circles for years, tied to the theory that XRP must reach that price to facilitate institutional cross-border settlement flows at scale.

The XRPL Foundation’s Picture

The pattern does not stop at Garlinghouse. The XRP Ledger Foundation posted an image on May 25 with dots arranged in groups corresponding to 5, 8, and 9. The caption read “Tomorrow’s going to be a great day.” Dark Defender connected this to the $589 theory, suggesting that the Foundation faces the same constraints as Garlinghouse.

Community Responses

Several community members weighed in. One noted that 5×8×9 equals 360, calling it a circle, and suggesting this calculation makes it complete. He believes the mathematical relationship reinforces the digits’ significance. Another pointed to a separate reference, noting that $589 was the price of Ethereum when the SEC filed its lawsuit against Ripple.

One member said there is “a hidden private ledger price that you don’t see,” suggesting the $589 figure represents something embedded in institutional infrastructure rather than the open market. Another said the number may have roots in actual legislation in Japan or the United States, specifically around reverse carry trade law.

A Figure That Will Not Go Away

The $589 discussion keeps returning because new evidence keeps emerging. The number is now deeply embedded in XRP history, and Garlinghouse’s following count has reinforced the belief in the community. Whether deliberate or coincidental, the XRP community continues to treat $589 as meaningful.

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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A fresh tweet from crypto commentator X Finance Bull has brought attention to Brad Garlinghouse’s comments on regulation, Ripple’s four-year legal battle with the U.S. Securities and Exchange Commission, and the company’s support for the CLARITY Act.

The post maintains that Ripple’s experience with the SEC has strengthened its position that the broader U.S. cryptocurrency industry needs clear regulatory rules.

Garlinghouse Points to Ripple’s 75 Licenses

In a video attached to the post, Ripple CEO Brad Garlinghouse spoke at the third annual Wyoming Blockchain Symposium about the company’s approach to regulation. He rejected the idea that the cryptocurrency industry opposes regulatory oversight.

“The idea that crypto was anti-regulation is the exact opposite,” Garlinghouse said, adding that the industry has actively sought regulation.

He pointed to Ripple’s regulatory progress as an example, stating that the company holds 75 licenses worldwide. His comments emphasized Ripple’s efforts to operate within established regulatory frameworks rather than avoid them.

Listen closely to what Brad Garlinghouse said about ripple:native and the CLARITY Act.

Ripple fought the SEC for four years and now holds 75 licenses worldwide.

Brad’s takeaway isn’t to run from regulation. It’s the opposite.

He wants clear rules across the entire U.S. crypto… https://t.co/R6wNTQuhNY pic.twitter.com/1a0t4C6co6

— X Finance Bull (@Xfinancebull) September 4, 2026

X Finance Bull focused on this point, establishing that Ripple’s position reflects a broader push for regulatory certainty across the U.S. crypto sector.

Ripple Supports the CLARITY Act

Garlinghouse also addressed Ripple’s experience with the SEC and explained why the company continues to support the CLARITY Act despite XRP already having significant legal clarity.

According to Garlinghouse, Ripple faced a four-year legal battle with the U.S. government and the SEC. He referenced the federal court’s ruling that XRP itself is not a security, describing that decision as “clarity for XRP.”

However, he stressed that Ripple does not view that outcome as sufficient for the wider industry.

“In order for the industry to succeed in the United States, we need clarity for the whole industry,” Garlinghouse said. He added that Ripple has “leaned in aggressively” to support the CLARITY Act.

His comments indicate that Ripple views comprehensive legislation as important beyond its own legal position. The company is seeking rules that establish clearer requirements for businesses operating across the cryptocurrency industry.

Attention Turns to What Comes Next

Garlinghouse also noted that he attended presentations from Tim Scott and Patrick Witt at the Wyoming Blockchain Symposium, where they discussed the likelihood and path toward passage of the legislation.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

X Finance Bull connected those comments to a broader question about Ripple and XRP if the CLARITY Act becomes law. The commentator said Ripple is not trying to move away from regulation after its SEC experience, but is instead advocating for a framework that could provide greater certainty across the U.S. market.

Comments under the post reflected this view. User maddio0104 described Garlinghouse as “wise” for pursuing regulatory clarity, while 8lends argued that clear rules could support greater adoption because businesses cannot effectively scale while facing regulatory uncertainty.

For X Finance Bull, the central issue is now whether the regulatory clarity Ripple has sought for years can expand beyond XRP to the wider U.S. cryptocurrency industry through legislation such as the CLARITY Act.

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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The Central Bank of the Netherlands recently spent months relocating $11 billion in gold from New York to London. About 70% of it never physically moved. The bank sold the gold in New York and repurchased it in London.

Crypto commentator Pumpius (@pumpius) highlighted this as a defining example of how traditional finance still operates in 2026 using decades-old settlement infrastructure. Ripple CEO Brad Garlinghouse had already raised the same case. Pumpius drew attention to the post, stating that the CEO hit the nail on the head and banks hate what he said.

He noted that Germany once took four years to move 674 tons of gold, worth $36 billion, from vaults in Paris and New York. These are not edge cases. They show how central banks routinely rely on outdated systems to transfer values on a global scale.

Ripple CEO Brad Garlinghouse Just Hit The Nail On The Head And Banks Hate What He Said!

Ripple CEO EXPOSED How The Netherlands Spent MONTHS Moving $11,000,000,000 In Gold While Tokenized Gold On The XRP Ledger Does It In SECONDS

Ripple CEO Brad Garlinghouse just called out… https://t.co/qk0EC3Ehol pic.twitter.com/nzz5Gbbou3

— Pumpius (@pumpius) September 5, 2026

Garlinghouse’s Argument

Garlinghouse noted that in the same period spanning those two gold-moving stories, crypto grew “from a $1.5B experiment to a $2.7T asset class.” That growth came with real liquidity and functioning financial infrastructure. What did not change was how central banks move value. His post states they are “still moving value the way they did in the 1940s.”

He extended the point beyond finance. Self-driving cars now navigate city traffic. AI has reshaped how people work. Starlink provides internet access almost anywhere on Earth. Yet the most efficient method available for moving large stores of value remains largely ignored by the institutions that need it most. Garlinghouse called this “confounding.”

XRP Ledger and Tokenized Gold

This is where XRP’s infrastructure becomes relevant.

On the XRP Ledger, tokenized gold via $XAUa swaps into $XRP and $RLUSD through Trensik in approximately four seconds. The gold stays in the vault. Ownership transfers on the ledger with no physical logistics, months of coordination, or settlement delays.

Pumpius identified this as the core use case. He described crypto as “storing and then moving value instantly, securely, around the world, at little to no cost.” The XRP Ledger provides the settlement layer that makes this possible at speed.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

A Structural Gap in Traditional Finance

The Netherlands situation puts a number to the inefficiency. $11 billion took months to relocate through traditional channels, most of which involved no physical movement anyway. The XRP Ledger processes the equivalent transaction in seconds. That gap is measurable and significant.

Garlinghouse asked: “How are people still fighting this?” It is a reasonable question given the data. Institutions with the largest volumes of value to transfer stand to benefit most from blockchain settlement.

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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Ripple CEO Brad Garlinghouse replied to CFTC Chairman Mike Selig’s tribute to President Trump with a line that raised eyebrows across the XRP community. Selig thanked Trump for hosting industry leaders at the White House. Garlinghouse responded to Selig’s claim about America’s crypto ambitions.

Selig posted his message on X, thanking @POTUS for hosting “some of America’s top leaders in innovation” at the White House last month. He credited Trump’s leadership for building “the new frontier of finance” on American soil. Selig chairs the CFTC, one of two agencies now positioned to oversee digital-asset regulation under pending legislation.

His post referenced the August 19, 2026 meeting at the White House. That gathering brought together major figures in digital assets, including Coinbase CEO Brian Armstrong, Robinhood CEO Vlad Tenev, and Ripple CEO Brad Garlinghouse. SEC Chairman Paul Atkins attended alongside Selig, giving the meeting weight beyond a simple photo opportunity.

Garlinghouse Sets A Target

Garlinghouse replied directly to Selig’s post. He wrote that he felt “proud to be in the room” and declared that making America “the crypto capital of the world is within reach.” He closed with a call to action: “let’s finish the job.”

Proud to be in the room.

Making America the crypto capital of the world is within reach – let’s finish the job https://t.co/mxmkadYEUU

— Brad Garlinghouse (@bgarlinghouse) September 3, 2026

The reply carries specific meaning inside Ripple’s regulatory push. Trump used the same White House meeting to press Congress on the CLARITY Act, legislation that would split oversight of digital assets between the SEC and CFTC. The bill passed the House in 2025 and remains stalled in the Senate, with a vote expected in mid-September 2026.

A Pattern Of Public Praise

Garlinghouse’s exchange with Selig comes after a separate moment from the same White House meeting that XRP holders are discussing. Trump turned to Garlinghouse and said, “Thank you very much, Brad.” Crypto commentator John Squire compared that moment to the absence of any equivalent acknowledgment for Bitcoin or Ethereum, noting neither asset has a chief executive to single out.

The timing around the meeting lined up with movement in XRP price and ETF flows. XRP rose close to 10% between August 18 and August 19, 2026, trading near $1.09. Spot XRP ETFs recorded $5.81 million in inflows on August 18, the strongest single-day total since July 31.

Garlinghouse addressed the broader meeting afterward on X. He noted that roughly 67 million Americans, nearly one in four, now hold crypto. He credited the administration’s posture toward the industry and said internal divisions among crypto firms work against the shared goal of regulatory clarity.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

A Shared Goal, Still Unfinished

Garlinghouse’s reply to Selig reinforces a message he has repeated since the White House meeting. He views regulatory clarity as achievable, not guaranteed. His phrase “finish the job” signals that Ripple sees the CLARITY Act vote in the Senate as the next real test of that ambition.

Selig’s post placed the White House meeting inside a policy narrative about American leadership in finance. Garlinghouse’s response tied that narrative directly to Ripple’s own stake in the outcome.

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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A photo from the recent White House Crypto Summit is circulating in the XRP community. Crypto pundit Archie (@Archie_XRPL) posted it with a notable observation. Ripple CEO Brad Garlinghouse was standing directly beside President Donald Trump. Archie believes that is not a random position.

A Summit With Institutional Weight

The August 19 summit took place at the Eisenhower Executive Office Building and marked the CFTC’s Innovation Advisory Committee meeting. Trump sat at the center. Garlinghouse stood immediately to his right. Also in the room were SEC Chair Paul Atkins, CFTC Chair Michael Selig, Treasury Secretary Scott Bessent, and Commerce Secretary Howard Lutnick.

Representatives from Nasdaq, NYSE, CME, and DTCC were also present. Notably, Trump personally introduced and thanked Garlinghouse during the summit.

Look where @bgarlinghouse was standing in the White House meeting photo.

Right next to @realDonaldTrump.

That’s not random.

The XRP Army already knows what comes next. pic.twitter.com/sLIYnUHYLv

— Archie (@Archie_XRPL) September 3, 2026

How the Community Responded

The photo generated significant discussion. Several community members focused on the symbolism of Garlinghouse’s position in the image. Multiple people described him as Trump’s right-hand man, referencing both his physical placement and the perceived closeness of the relationship.

One observer noted that standing to the president’s right, when the president is the host, is the place of highest honor for a guest, citing formal U.S. diplomatic and social protocol.

One user offered a more measured take. He acknowledged that Garlinghouse’s presence beside Trump is significant, but cautioned against the volume of assumptions circulating on social media. He also noted that the CLARITY Act remains the most critical development to watch, and that traps remain ahead.

One analyst broke down how White House photo placement works. He explained that proximity to a president in an official photo is a deliberate staff and photographer decision, not personal preference. The sector a CEO represents often determines where they stand.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

A Relationship Built Over Time

This was not Garlinghouse’s first visit to the White House under the Trump administration. He attended a pre-inauguration dinner with Trump in early 2025. He was at the inaugural White House Digital Assets Summit.

The August summit extended that pattern. Garlinghouse has been at almost every major White House crypto engagement under this administration, and his physical proximity to Trump in the summit photo adds a visible dimension to that track record.

With Ripple holding a consistent seat at the table throughout this administration, the community believes the company is positioned to influence the regulatory environment that governs XRP’s future.

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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Ripple CEO Brad Garlinghouse named Citi during a session at the Wyoming Blockchain Symposium, according to a widely viewed tweet from crypto commentator Pumpius. The post says Garlinghouse described Ripple as competing with Citi “sort of indirectly” during his appearance and then laid out his reasoning on camera.

Citi’s Role in Cross-Border Payments

Pumpius’s account of the remarks centers on Citi’s role in cross-border payments. The post claims Citi ranks among the two largest correspondent banks operating on the SWIFT network and generates close to $5 billion a year in gross margin from that position. According to the post, this gives Citi a financial incentive to preserve the existing correspondent banking system rather than move toward blockchain-based settlement.

Pumpius frames Ripple’s strategy as a direct challenge to that model, writing that the company’s goal is to shift cross-border settlement on-chain. The post summarizes the contrast in blunt terms: banks want a seat at the table, while Ripple wants the table itself.

RIPPLE CEO CALLED OUT CITI BY NAME

Brad Garlinghouse didn’t even try to hide it.

At the Wyoming Blockchain Symposium he looked at the camera and said Ripple competes with Citi “sort of indirectly” — then explained why.

Citi is one of the two biggest correspondent banks… pic.twitter.com/gRNtdpbzp4

— Pumpius (@pumpius) August 30, 2026

Ripple’s Presence at the Wyoming Symposium

Garlinghouse’s session, titled “Modernizing Financial Infrastructure,” took place on August 18 at the Four Seasons Resort in Jackson Hole. CNBC’s Tanaya Macheel moderated the discussion. The invitation-only symposium, hosted by SALT and Kraken, drew roughly 500 attendees, including SEC Chair Paul Atkins and Senators Tim Scott and Cynthia Lummis.

Ripple has spent years building infrastructure aimed at cross-border payments and institutional settlement. The company has expanded its treasury products in 2026, including Digital Asset Accounts and Unified Treasury tools that let corporate clients manage fiat currency alongside XRP and RLUSD in one system. Ripple also acquired GTreasury and launched Ripple Mint, which gives institutional RLUSD customers tools to mint and redeem the stablecoin.

Community’s Reactions

Reaction to the Pumpius post reflects broader community sentiment about banking alternatives. X user Patriot Revolution commented that many people are waiting for more options than banks, citing frustrations with loan terms, credit card balances, merchant transactions, and international settlements.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

Another commenter, FX191976, repeated the core claims from the original post nearly verbatim, reinforcing the same points about Citi’s position on SWIFT and Ripple’s ambition to move that business on-chain. The comment closed by echoing the line that Ripple wants the table rather than a seat at it.

The remarks arrive as Ripple works through separate regulatory milestones in the United States. Though the Office of the Comptroller of the Currency granted preliminary conditional approval for Ripple National Trust Bank in December 2025, Ripple must still satisfy OCC conditions before the bank can begin operations. Congress also continues to debate the CLARITY Act, market structure legislation that industry participants view as central to digital asset regulation.

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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President Donald Trump hosted a group of cryptocurrency, financial-market, and technology executives at the White House on August 19, 2026, a gathering that produced a moment crypto commentators have replayed since.

Crypto influencer John Squire posted a comparison on X. “Trump didn’t thank the CEO of Ethereum. Bitcoin doesn’t even have a CEO,” Squire wrote, while Trump turned to Ripple CEO Brad Garlinghouse and said, “Thank you very much, Brad.”

The meeting took place in the Roosevelt Room and brought together major names in digital assets. Coinbase CEO Brian Armstrong, Robinhood CEO Vlad Tenev, Kraken co-CEO Arjun Sethi, Gemini’s Tyler and Cameron Winklevoss, and Intercontinental Exchange chairman and CEO Jeff Sprecher all attended. SEC Chairman Paul Atkins and CFTC Chairman Michael Selig, the top officials at the two agencies that oversee digital-asset regulation, were also present.

Trump didn’t thank the CEO of Ethereum.
Bitcoin doesn’t even have a CEO.

He looked at Ripple CEO Brad Garlinghouse and said:
“Thank you very much, Brad.”

Let that sink in. ripple:native pic.twitter.com/sPPzX87Ma6

— John Squire (@TheCryptoSquire) August 29, 2026

A Push for the CLARITY Act

The gathering carried weight beyond the roll call. Trump used the meeting to press Congress on the CLARITY Act, legislation that would divide oversight of digital assets between the SEC and CFTC and replace agency interpretation with statutory definitions.

The bill passed the House in 2025 and remains stalled in the Senate, with a vote expected in mid-September.

Trump tied regulatory certainty to U.S. competitiveness, saying failing to lead in crypto could cost America its standing tied to the world’s reserve currency.

The timing mattered too. The meeting came one day after the SEC issued new guidelines intended to simplify token issuance and capital raising for crypto companies, a shift Ripple and other firms had lobbied for over several years.

XRP Moves on the News

XRP responded to the week’s developments. The token rose close to 10% between August 18 and August 19, trading near $1.09, with spot XRP ETFs recording $5.81 million in inflows on August 18, the strongest single day since July 31.

Garlinghouse addressed the meeting afterward on X, noting that roughly 67 million Americans, nearly one in four, now hold crypto. He credited the Trump administration’s posture toward the industry and stated that division within crypto over competing priorities works against the industry’s shared interest in regulatory clarity.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

Structure, Not Snub

Squire’s post did not claim Trump outright snubbed Bitcoin and Ethereum. It highlighted a structural fact: Bitcoin and Ethereum operate without a chief executive, so there was no equivalent figure to single out by name. Ripple’s centralized leadership model gave Garlinghouse a visible moment other projects could not replicate.

Whether that moment reflects genuine favoritism toward XRP or simply the mechanics of who stood in the room remains open to interpretation.

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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Crypto influencer John Squire has reiterated his confidence in XRP after revisiting an earlier warning from Ripple CEO Brad Garlinghouse about the cryptocurrency market’s long-term prospects.

In a post on X, Squire recalled Garlinghouse’s view that the majority of cryptocurrencies would eventually fail, not because the broader crypto industry would collapse, but because many tokens lack a clear reason to exist. Squire emphasized that the projects most likely to remain relevant provide real-world utility.

“Brad Garlinghouse warned years ago that the vast majority of cryptocurrencies wouldn’t survive,” Squire wrote. “Not because crypto would fail. Because most tokens have no reason to exist.”

Squire then connected that view directly to his position on XRP, stating that he is betting on the cryptocurrency because of what he considers its real-world utility.

Brad Garlinghouse warned years ago that the vast majority of cryptocurrencies wouldn’t survive.

Not because crypto would fail.

Because most tokens have no reason to exist.

The survivors will be the ones with real-world utility.

That’s exactly why I’m betting on $XRP.…

— John Squire (@TheCryptoSquire) August 26, 2026

Garlinghouse Says 99% of Crypto Could Go to Zero

The video attached to Squire’s post features comments from Garlinghouse in which he explained his outlook on the cryptocurrency sector. Garlinghouse said new markets typically attract many participants to show they can solve problems or meet customer needs.

He then referenced his previous public prediction that “99% of all crypto probably goes to zero.” However, Garlinghouse distinguished between tokens that lack a practical purpose and the smaller group of crypto projects focused on addressing genuine problems.

According to Garlinghouse, the remaining 1% will consist of projects that solve real problems for real customers and can deliver those solutions at scale. He added that this segment could become increasingly important over the coming decades.

The comments form the central basis for Squire’s XRP position. Rather than presenting survival as a characteristic of the entire cryptocurrency market, Garlinghouse’s remarks focus on whether individual crypto projects can establish practical applications and achieve meaningful adoption.

XRP Utility Remains Central to Squire’s Thesis

Squire’s post applies Garlinghouse’s broader assessment to XRP. His argument rests on the view that XRP belongs among the cryptocurrencies with an identifiable use case rather than those created without a clear function.

We are on X, follow us to connect with us :- @TimesTabloid1

— TimesTabloid (@TimesTabloid1) June 15, 2025

The post also received responses from other X users who agreed with the emphasis on utility. Cole Gmaen said Garlinghouse had accurately warned about the number of tokens without meaningful purpose while highlighting XRP’s utility. Another user, Youn, similarly said that cryptocurrencies need genuine utility and real-world applications to maintain long-term relevance.

Garlinghouse’s comments do not provide a specific price prediction for XRP. Instead, they establish a broader framework for evaluating cryptocurrencies based on their ability to address real customer needs and operate at scale.

For Squire, that framework reinforces his decision to remain bullish on XRP. His post ultimately centers on the distinction between speculative tokens with limited purpose and crypto networks that he believes can support practical use cases over the long term.

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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XRP investors are watching one comment. Ripple CEO Brad Garlinghouse addressed the company’s relationship with SWIFT during an old interview, and crypto commentator John Squire (@TheCryptoSquire) shared the clip with his followers.

The Comment That Caught Attention

Squire quoted Garlinghouse directly: “There are real ways that Ripple and XRP can work with SWIFT.” He paired the quote with the video clip and urged followers to watch what unfolds next between Ripple, XRP, and SWIFT.

The interview covered SWIFT’s global payments innovation initiative, known as GPI. Garlinghouse called it a meaningful advance after four decades of correspondent banking. He said the system worked, but has real limitations.

Remember what Brad Garlinghouse said about SWIFT:

“There are real ways that Ripple and XRP can work with SWIFT.”

He even compared the technological leap to going from a horse and buggy to a Ferrari.

Maybe we should start paying VERY close attention to what happens next…

— John Squire (@TheCryptoSquire) August 24, 2026

From Horse and Buggy to Ferrari

Garlinghouse used a comparison to describe the difference between incremental fixes and full transformation. He said the choice isn’t about making a “horse and buggy” faster. It’s about moving to a “Ferrari” instead. The comment captured his view that cross-border payments need a complete upgrade, not small tweaks to old infrastructure.

The interviewer then raised a prior claim that Ripple could eventually replace SWIFT. Garlinghouse didn’t repeat that stance. Instead, he adjusted the framing. He said he’d previously talked about ways Ripple could work with SWIFT, not replace it, suggesting that the company is open to a partnership.

Why Squire’s Post Resonates

Squire’s post ties directly to Garlinghouse’s own words. The timing adds weight to the message. SWIFT continues to modernize its own network through GPI, and Ripple continues to promote blockchain-based settlement as an alternative rail. Garlinghouse’s comments suggest the two systems could intersect, rather than exist as pure rivals.

Ripple is already making significant strides, as reports suggest a major Korean bank is moving from SWIFT to Ripple after a recent partnership. This trend is for XRP holders, as increased adoption and Ripple’s positioning affect how the market values the token’s role in cross-border payments.

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What Comes Next?

Garlinghouse didn’t offer a timeline. He didn’t name specific banks or announce a formal partnership. His comments outlined a philosophy: Ripple sees value in working with legacy systems while pushing them toward faster, more efficient technology.

Squire’s post amplifies that philosophy to a wider audience. The clearest takeaway comes from Garlinghouse’s own words. Ripple wants to work with SWIFT. The company sees room for both systems to coexist, with XRP positioned somewhere in that equation. Investors watching this space will likely treat any future SWIFT-related announcement from Ripple as a signal worth close attention.

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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