SWIFT recently announced its blockchain-based shared ledger, with 17 banks preparing to pilot tokenized cross-border payments on its infrastructure.

SWIFT positions this as an evolution of its existing network, trusted by more than 11,500 financial institutions globally. The ledger enables 24/7 payment processing, settling through existing systems after transactions complete.

BRAD GARLINGHOUSE: XRP CARRIES LESS RISK THAN A TRADITIONAL SWIFT TRANSACTION

“When you do a SWIFT transaction, the average transaction, let's just say is three days. That's 270,000 seconds, trust me I did the math on that. If you multiply 270,000 seconds in a low volatility… https://t.co/z3uDvpSpR7 pic.twitter.com/kuUzWPk32B

— SMQKE (@SMQKEDQG) July 23, 2026

Ripple CEO Made the Case in 2019

Back in October 2019, Garlinghouse was already addressing the volatility objection that banks raise against crypto. His response was built on simple arithmetic. “When you do a SWIFT transaction, the average transaction, let’s just say, is three days. That’s 270,000 seconds,” he told the audience.

He then compared that exposure window to an XRP transaction completing in 3-4 seconds. Multiply 270,000 seconds of exposure in a low-volatility asset against 3 seconds in a high-volatility one, and XRP produces less total volatility risk.

The Hedging Factor

With a traditional fiat transaction settling over two to three days, a counterparty absorbs and prices that currency risk on your behalf. XRP removes that equation entirely.

“With XRP, it’s happening so fast you don’t really need to hedge it because you’re in and out of it in a few seconds,” Garlinghouse said; No multi-day exposure window. The transaction completes before volatility becomes a meaningful variable.

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What the Post Highlights

SMQKE’s post puts this argument in focus at a moment when SWIFT is actively building blockchain infrastructure. SWIFT’s new ledger reduces settlement time compared to traditional rails, operating through tokenized deposits and allowing banks to move funds outside business hours before finalising through existing systems.

The distinction SMQKE highlights is settlement speed. SWIFT’s ledger improves on the traditional model, but XRP was engineered around a 3- to 4-second transaction window that Garlinghouse described in 2019.

The Argument Has Been on Record

Garlinghouse made this case publicly seven years ago. The math has not changed. A transaction completing in seconds carries a fundamentally different risk profile than one settling over days, regardless of the asset’s daily volatility. Garlinghouse laid it out plainly in 2019, and the argument remains very relevant today.

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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Since then, those agencies went further, jointly issuing an interpretive release in March that formally classifies XRP as a digital commodity. But Garlinghouse’s broader argument, that regulatory guidance is not enough without legislation behind it, has aged well.

HUGE: RIPPLE CEO BRAD GARLINGHOUSE SAYS ABOUT THE CLARITY ACT:

„WHEN PEOPLE ARE AT THEIR PEAK FRUSTRATION,THAT‘S WHEN THEY FIND A COMPROMISE AND IT GETS DONE. I THINK WE‘RE THERE!“

NEXT WEEK COULD BE MASSIVE pic.twitter.com/YQxKMrXAUN

— 𝓐𝓶𝓮𝓵𝓲𝓮 (@_Crypto_Barbie) July 19, 2026

The CEO’s Comments

In the video Amelie shared, Garlinghouse acknowledged the SEC-CFTC joint statement as “truly groundbreaking,” calling it an end to what he described as “an era of lawfare against this industry.” But he was direct about its limits. Without legislation, he argued, nothing is permanent. A future administration could install leadership hostile to crypto and reverse course without any congressional input.

He also connected the CLARITY Act to politics. Being anti-crypto, he said, “doesn’t get you any votes,” pointing to voter education efforts in recent election cycles as evidence that the industry has real political weight. His tone on the legislation was measured but still optimistic.

He acknowledged his confidence had tempered, but cited a belief shared by Washington insiders he trusts: “When people are at their peak frustration, that’s when they finally compromise, and it gets done.”

Why the CLARITY Act Is Stalled

That compromise has proven difficult to reach. The CLARITY Act sat on the Senate Legislative Calendar as July 4, 2026, passed with no floor vote scheduled. Disputes still block the Democratic votes required to clear the 60-vote filibuster threshold.

The central sticking point is an ethics provision. Trump’s 2025 financial disclosure showed approximately $1.4 billion in crypto-related income. Democrats have demanded enforceable conflict-of-interest language covering government officials’ crypto holdings.

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Why Legislation Still Matters for XRP

This is the vulnerability Garlinghouse identified. The March 2026 interpretive release classifying XRP as a digital commodity is binding on both agencies, but it is not a statute. A future Commission can reinterpret it without asking Congress for anything.

The CLARITY Act would write those classifications into law and make them durable across administrations. For XRP, the stakes are clear. Commodity status opened institutional pathways, and legislation would lock them in. The window is closing, but the pressure to act has rarely been higher, and Amelie believes something big is coming next week.

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 Lawsuit That Nearly Ended Ripple

During the interview, Garlinghouse said the government’s resources felt limitless once the SEC came after Ripple. He and co-founder Chris Larsen considered a stark alternative to fighting the case. Ripple holds a large amount of XRP. The company could have distributed it to shareholders on a pro-rata basis and shut down.

"We almost decided to shut down the company when the SEC sued us."
– Brad Garlinghouse, @Ripple CEO, Kansas University, published Jul 8, 2026. pic.twitter.com/kvbe2gnkmU

— Eri ~ Carpe Diem (@sentosumosaba) July 11, 2026

“Ripple’s gone,” is how Garlinghouse put it, describing that scenario. He called that path the easier one. Hundreds of employees would have lost their jobs. Garlinghouse said that outcome felt wrong to him, even though walking away carried less risk than staying in the fight. He described the decision as difficult and said it wasn’t obvious at the time that fighting was the right call.

The legal battle lasted four years, and Ripple spent $150 million on legal bills before the case concluded in the company’s favor. Garlinghouse criticized the SEC’s approach, saying he met with regulators multiple times without lawyers present to seek clear guidance, only to be hit with a lawsuit alleging XRP was an unregistered security.

Ripple ultimately fought the case to protect jobs and, in Garlinghouse’s view, to set a precedent for the wider U.S. crypto industry.

A New Chapter With His Alma Mater

The interview came days after Ripple and Kansas Athletics announced a multi-year jersey patch partnership. An XRP logo will now appear on uniforms across every Kansas sports team, including football and basketball. Kansas Athletics called it the first cryptocurrency sponsorship on a major college athletics program’s jersey.

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Garlinghouse is a Kansas alumnus. He grew up in Topeka and earned an economics degree at KU before his MBA at Harvard opened doors in Silicon Valley. The partnership goes beyond branding.

Ripple will fund financial and technology education programs for KU student-athletes and the wider campus community, covering both traditional finance and digital assets. The company will also expand its existing talent pipeline, connecting Kansas graduates to tech careers.

Ripple’s Goal

Garlinghouse also discussed Ripple’s broader mission. Cross-border payments still move slowly and cost too much, he said, comparing the current system to early closed internet networks. XRP settles transactions in under 5 seconds for a fraction of a penny, according to Garlinghouse. He said Bitcoin serves as a store of value, while XRP focuses on speed and cost efficiency in payments.

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 commentator Xaif (@Xaif_Crypto) shared a video of Ripple CEO Brad Garlinghouse breaking down that problem in under two minutes. His explanation addressed the fact that sending money is harder than it should be and explained why XRP exists.

Ripple's CEO just explained why XRP exists in under 2 minutes no jargon:

Venmo can't send to PayPal, even though PayPal owns Venmo. That's how broken our payment networks are.

Now scale that to sending money overseas: slow, expensive, and it can vanish for weeks.
Ripple's fix:… https://t.co/WaG21lAkTC pic.twitter.com/zgK8FYoYsg

— Xaif Crypto (@Xaif_Crypto) July 11, 2026

The Venmo and PayPal Problem

Garlinghouse opened with a comparison to the early internet. He pointed out that early email networks like CompuServe, Prodigy, and AOL couldn’t communicate. Users were stuck inside closed systems.

He argued that payment networks work the same way today. Venmo operates as a closed network. Garlinghouse noted that “until very recently, you couldn’t move money from Venmo to PayPal, and PayPal owns Venmo.” He called this disconnect illogical given that one company owns both platforms.

The Real Cost of Sending Money Overseas

Garlinghouse said the friction gets worse when money crosses borders. He described international transfers as painful, expensive, and slow. Mistakes happen, and funds can disappear for two weeks while someone tracks down what went wrong.

He put the issue in perspective with a comparison to space travel. He said you can “literally stream video from the space station,” yet moving your own money from one place to another remains unreliable. Ripple built its technology to close that gap.

XRP Solves a Problem Most Customers Never See

Garlinghouse made a deliberate point about how he explains Ripple’s mission. He said he avoids mentioning crypto or XRP when describing the company’s purpose because customers don’t think in those terms. He asked the audience directly whether anyone cares if a transaction runs through XRP to solve the problem.

His answer was no. Customers care about results. He explained that speed and cost are what actually matter to users. An XRP transaction settles in under 5 seconds anywhere in the world. The cost runs to fractions of a penny per transaction.

Garlinghouse presented these two numbers as the entire pitch. Banks don’t need to understand blockchain. They need a system that solves speed and cost issues they currently face.

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A Simple Pitch for a Complicated Industry

Garlinghouse didn’t lean on technical explanations or industry buzzwords. He compared payment networks to outdated systems to show how disconnected today’s systems still are.

The message landed because it avoided abstraction. XRP’s speed and low cost are concrete claims anyone can evaluate. Garlinghouse’s approach treated XRP as infrastructure that solves problems. For banks evaluating cross-border payment solutions, that infrastructure-first pitch may carry more weight than any amount of crypto terminology ever could.

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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Garlinghouse Calls It Personal

Ripple CEO Brad Garlinghouse didn’t just issue a corporate statement. He called this a moment where his professional and personal worlds collide. Garlinghouse is a Kansas alum and Topeka native who attended the university before building his career in technology and finance.

He told followers “XRP Family, meet the Jayhawks” and closed with “Rock Chalk,” the university’s signature rallying cry. For Garlinghouse, this deal ties his company’s flagship asset to the school that shaped his own path.

Rare moment where my professional and personal worlds collide: XRP is now the first crypto on the jersey of a major college athletics program, at my alma mater.

XRP Family, meet the Jayhawks. Rock Chalk! https://t.co/F6uAL0kMNS

— Brad Garlinghouse (@bgarlinghouse) July 8, 2026

Fans and Critics Both Show Up

Reactions ranged widely. One commenter called the deal a solid milestone, noting it’s the first crypto jersey in major college sports. Others treated the jersey as a reason to root for Kansas. Abs Nassif, host of the Good Evening Crypto podcast, joked that the deal made him a Kansas fan now.

Not everyone celebrated. One commenter questioned the value XRP actually has, asking what the token has to show for itself. While many argue that XRP’s value lies in its utility, many market participants are not convinced. They want to see this quality reflected in its price.

One commenter tried to call out Ripple. He suggested that the company sold XRP to the public to fund the deal, repeating a fairly popular opinion that Ripple sells XRP to profit from the asset and leave investors hanging. Another questioned XRP’s practical value to holders and asked what benefit the deal creates for people who already own the token.

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XRP’s Momentum Builds

The jersey deal lands during a strong stretch for Ripple and XRP. On July 6, Ripple secured full authorization as a Crypto Asset Service Provider under the EU’s Markets in Crypto-Assets (MiCA) regulation. The approval follows preliminary approval announced in June 2026 and confirms Ripple as fully MiCA-compliant.

Its end-to-end regulated crypto payments product is now available to financial institutions, corporates, and businesses across all 30 countries of the European Economic Area. The company now boasts a global portfolio of more than 75 regulatory licenses.

Deals like the Kansas partnership give XRP visibility that regulatory filings alone can’t match. The Jayhawks jersey puts XRP in stadiums and broadcasts, in front of fans who may never have looked at a token price before.

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 detail she is focused on is two words: “excluding XRP.” Garlinghouse went out of his way to clarify that this $1 billion projection does not count a single dollar from XRP sitting on Ripple’s balance sheet. Stevenson argues that this is the most important part of the announcement, and that once investors understand it, the entire story shifts.

Kamilah explains why one number Ripple put out this month matters far more than the price of ripple:native on any given day.

"The headline is the part that people repeat, and the one word buried inside it is the part that changes this entire story"

"This billion dollars does… pic.twitter.com/JggbrDqIse

— Kamilah Stevenson (@iamkamstevenson) June 29, 2026

Reading Between the Lines

A run rate is not cash already in the bank. It is a forward projection. Taking the company’s current earnings pace and extending it across a full year. So Ripple is not announcing the $1 billion already earned. It is announcing the pace it expects to sustain. Still, the size is significant for a company called out for holding a large supply of XRP.

For years, critics argued that Ripple’s real value was simply the massive XRP reserve it held. The concern that followed was that if Ripple ever needed to raise funds, it would sell XRP into the open market. That selling pressure would land directly on holders.

By stating that the $1 billion run rate comes entirely from business operations, Garlinghouse separates Ripple’s financial health from its XRP holdings. The company is not projecting this revenue because of token appreciation. It is projecting it through business activity.

Traders vs. Long-Term Holders

One commenter focused on price action, noting that the market should not ignore its movements. He noted that the $0.80 range may be approaching and that recapturing and sustaining $1.06 could shift the picture.

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Another community member took a longer view, arguing that once XRP’s commodity status is codified through the CLARITY Act, institutions will hold it the way they hold gold. The difference, in their view, is that unlike gold, XRP moves quadrillions of dollars annually, making it a fiduciary obligation rather than just an option.

The Number to Watch

Stevenson’s point is not that XRP holders should ignore price. Her point is that a company demonstrating $1 billion in business-driven revenue, separate from its token holdings, is a different kind of company than the one many assumed Ripple to be.

The revenue run rate signals operational scale. The “excluding XRP” qualifier signals financial independence from the token. While Ripple still fully backs XRP, the CEO’s statement shows the company is healthy.

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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He wrote: “Financial engineering doesn’t drive long-term value. Utility does.” The post resonated quickly with XRP supporters, who rallied around the message, treating it as validation of the asset’s design.

Financial engineering doesn’t drive long-term value. Utility does https://t.co/BMz0XaWkkj

— Brad Garlinghouse (@bgarlinghouse) June 29, 2026

Garlinghouse on CNBC: Utility vs. Engineering

On June 26, Garlinghouse appeared on CNBC’s Squawk on the Street. He criticized Michael Saylor’s Strategy (formerly MicroStrategy), arguing its preferred-share funding model hurt the crypto market. He called Strategy’s STRC preferred stock a “damning indictment” after it fell 25% below its $100 par value.

He said the structure “added excitement on the way up” but compounded through market cycles. He argues that lasting value in crypto must come from real-world use. He stayed bullish on Bitcoin itself, separating the asset from Strategy’s capital structure.

On Ripple, he said the company facilitated roughly $16 trillion in payments last year through acquisitions, but digital assets accounted for close to 0% of that volume. He called that gap the company’s opportunity to bring traditional finance onto blockchain infrastructure.

Community Reactions Roll In

Garlinghouse’s post generated significant engagement and a wide range of reactions. Vet, a validator on the XRP Ledger, stated that blockchain’s real-world problem-solving is revolutionary, citing 24/7 settlement and weekend access to collateral as examples of genuine utility.

Another commenter pushed back on the term “financial engineering” itself, calling it language used to appear intelligent without too many words. Similarly, he pointed out that utility does not need that either. He suggests that assets with real-world utility speak for themselves.

Several others affirmed XRP’s utility, adding that Ripple’s work with institutions proves it. However, some responses carried frustration. One commenter accused Ripple of building wealth at the community’s expense, a theory many skeptics have held for years.

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Another angrily questioned what had happened to XRP’s price over eight years. XRP currently trades at $1.05, and while it has peaked above $3 multiple times, it has not reached the high levels many investors hope for. Another said Garlinghouse had left XRP holders behind and urged him to do better.

The Takeaway

The post and the interview together reinforce one message: Garlinghouse believes utility is the only credible foundation for long-term crypto value. Whether the market reflects that belief is another question.

Ripple’s $16 trillion payment opportunity gives that argument real weight. Introducing XRP into that market would allow the asset to demonstrate its real-world utility and advantages, and potentially help it meet the lofty price targets investors have set.

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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According to the platform, Garlinghouse revealed that Ripple cleared $16 trillion in payments and prime brokerage volume over the past year, while almost none of that volume moved through a digital asset.

RippleXity presented the figure as evidence that the largest opportunity for Ripple and XRP may still lie ahead, rather than in current adoption levels. The platform emphasized that the overwhelming majority of the value processed on Ripple’s network continues to rely on traditional financial infrastructure, leaving significant room for digital asset integration in the future.

The post stated that Garlinghouse did not portray the near-zero use of digital assets as a limitation. Instead, RippleXity explained that he described it as the company’s biggest growth opportunity, suggesting that a vast amount of institutional payment activity has yet to transition onto blockchain-based settlement rails.

JUST IN: #Ripple's CEO just revealed a number that changes everything.

Brad Garlinghouse said #Ripple cleared 16 trillion dollars in payments and prime brokerage volume last year.

But here's the staggering part. The share of that 16 trillion that actually moved through a… pic.twitter.com/Djdyy076zd

— RippleXity (@RippleXity) June 27, 2026

RippleXity Points to XRP’s Institutional Payment Role

Building on Garlinghouse’s remarks, RippleXity reiterated that XRP’s primary utility is facilitating cross-border payments and providing fast settlement for institutional transactions through the XRP Ledger.

According to the platform, the current payment volumes demonstrate that Ripple already handles substantial financial activity. However, because digital assets account for only a negligible share of those transactions, the company believes there is considerable potential if institutions begin using blockchain infrastructure more broadly.

RippleXity suggested that as portions of the reported $16 trillion gradually migrate to digital asset-based settlement, the impact could extend beyond incremental improvements. The platform stated that such a transition would represent the beginning of a much larger shift in how financial institutions move value across borders.

While the post expressed optimism about XRP’s future role, it did not indicate that this migration has already begun on a meaningful scale. Instead, it framed the current situation as an indication of the untapped market that remains available if institutional adoption accelerates.

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Community Responds With Optimism

The post also attracted supportive reactions from members of the XRP community. An X user known as “The Future of Finance” commented on RippleXity’s publication, describing Garlinghouse’s figures as significant and expressing confidence that wider adoption of XRP could eventually influence the asset’s valuation.

The comment reflects a common view among XRP supporters who believe increased institutional use of blockchain technology could strengthen demand for digital assets designed for payment settlement.

However, RippleXity’s post primarily focused on Garlinghouse’s reported remarks and the scale of the opportunity represented by the limited use of digital assets within Ripple’s existing payment volumes.

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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X Finance Bull paired the stat with a recent CNBC interview featuring Ripple CEO Brad Garlinghouse, who addressed what he believes is driving that growth. His answer focuses on XRP’s utility.

$XRP ARMY! Are you aware of this?

XRP ODL volume hit $1.2 billion in Q1 2026, up 45% year over year

Brad told CNBC the truth on live TV: utility drives value, not financial engineering

Real usage, growing fast
XRP proving itself quietly

bearish? pic.twitter.com/XW6MspLNUm https://t.co/1j65NSSEce

— X Finance Bull (@Xfinancebull) June 27, 2026

Ripple CEO Puts Utility at the Center

Garlinghouse was clear about what drives long-term value in digital assets. “I think that financial engineering does not drive long-term value,” he said. He added that he has held this position for years, adding, “The long-term value of any digital asset is going to be driven by utility.”

He expanded on what utility requires in practice: “If it’s solving a problem at scale for real customers, you’re going to see liquidity, you’re going to see demand, you’re going to see trust in that asset.” The ODL volume data cited by X Finance Bull suggests XRP is meeting that standard.

The Numbers Back the Belief

Garlinghouse pointed to the scale of Ripple’s payment operations. The company cleared $16 trillion in payments through its prime brokerage business last year. The portion processed via digital assets was close to 0%. That gap represents the opportunity XRP is positioned to fill.

ODL volume growing 45% year over year reflects institutions adopting XRP as a settlement tool, drawn by the speed and cost efficiency of the XRP Ledger. Garlinghouse described XRP’s role as “really focused on payments and leveraging the speed and efficiency of that blockchain in a way for institutions.”

Ripple’s strategy has remained consistent. The company is bridging traditional finance with blockchain technology. Through acquisitions and organic growth, that strategy is producing measurable results.

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Value Follows Function

Garlinghouse contrasted XRP’s growth with what he sees as the risks of financial engineering. He pointed to Strategy, Michael Saylor’s Bitcoin-focused company, as an example. Strategy used leverage to accumulate Bitcoin. When the market turned, that leverage worked against them.

Their preferred stock, STRC, was pegged at $100 and now trades roughly 25% below that. Garlinghouse’s position is that real utility produces compounding demand. Borrowed capital produces compounding risk.

What the Growth Signals

Garlinghouse’s comments support X Finance Bull’s point that utility wins. A 45% increase in ODL in a single year confirms that institutional demand for XRP as a payment instrument is accelerating. Ripple is opening new pathways for XRP, and there is substantial room for growth.

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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Garlinghouse addressed one of the most debated strategies in the industry. His conclusion was clear: utility, not financial engineering, drives long-term value in digital assets.

The comments arrive at a moment when the crypto market is navigating significant pressure. Garlinghouse did not shy away from identifying where he believes the stress originated.

@bgarlinghouse just went on @CNBC and said what nobody in Bitcoin wanted to hear @Strategy 's "financial engineering" buying model? He called it unsustainable and said it's actively hurting the market

Utility wins long-term. Every time. $XRP $BTC pic.twitter.com/R672Em8AGt

— Xaif Crypto (@Xaif_Crypto) June 27, 2026

Garlinghouse on Strategy’s Leverage

Garlinghouse addressed Strategy’s (formerly MicroStrategy) Bitcoin acquisition model directly. He acknowledged the excitement it generated on the way up, then noted that the same dynamic is “compounding on the way down.” He described the approach as leverage, regardless of how Michael Saylor characterizes it.

The numbers support his concern. A Strategy instrument that once traded at par is now sitting approximately 25% below it. Garlinghouse called that “a pretty damning indictment” and stated plainly that it has hurt the overall market.

His position on Bitcoin itself remains constructive. He described himself as bullish and cited the Warren Buffett principle of being greedy when others are fearful. His criticism targets the Bitcoin acquisition strategy, not the asset itself.

Utility as the Foundation

This is where Garlinghouse’s argument carries weight for XRP holders and the Ripple ecosystem. He stated that he said on CNBC years ago that “the long-term value of any digital asset is going to be driven by utility.” He is not revising that view, but now reinforcing it.

His reasoning is grounded in fundamentals. An asset solving a real problem at scale generates liquidity, demand, and trust. Those factors build on each other over time. Leverage, by contrast, introduces fragility.

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XRP and the Payments Use Case

Garlinghouse positioned XRP within this framework through concrete business results. He described XRP as Ripple’s core technology asset, built around payments and the speed and efficiency of its blockchain for institutional use.

He noted that Ripple cleared $16 trillion in payments and prime brokerage activity last year, partly through acquisitions. However, close to 0% of that volume moved through a digital asset.

Garlinghouse sees that gap as an opportunity. Ripple’s stated strategy is to bring traditional finance into blockchain infrastructure, and those acquisitions give the company a direct path to achieve that.

The Takeaway

Xaif’s post captures the core argument well. Garlinghouse is not making a speculative case for XRP. He is making a structural one. Assets with real utility, institutional demand, and infrastructure behind them are positioned to hold value through market cycles. As he stated, “Utility wins long-term. Every time.”

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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