In the X post, Squire wrote, “LAST CALL SHIFT Move out of #Bitcoin and rotate into XRP while there’s still time on the clock. When the switch flips… it’ll already be too late.” The statement presents a sense of urgency and frames the current moment as a narrowing window for investors to reconsider their allocations.

Squire’s position reflects a broader narrative among some market participants who believe XRP may be approaching a phase of accelerated momentum. His tweet suggests that any significant transition in market structure or capital flow could occur rapidly, leaving little opportunity for late adjustments.

LAST CALL SHIFT

Move out of #Bitcoin and rotate into #XRP while there’s still time on the clock.

When the switch flips… it’ll already be too late. pic.twitter.com/VSnNUsXgxY

— John Squire (@TheCryptoSquire) April 19, 2026

Webinar Highlights Institutional and Infrastructure Developments

Attached to the post is a segment from a webinar titled “Conversation with Leaders,” featuring Brad Garlinghouse, Yoni Assia, and Sam North. The discussion centers on the evolving role of XRP and the broader crypto market, with particular focus on infrastructure, institutional adoption, and product expansion.

During the session, Garlinghouse outlines Ripple’s long-standing focus on cross-border payments. He explains that the company identified inefficiencies in traditional systems such as SWIFT transfers, which he describes as slow, costly, and error-prone.

According to Garlinghouse, XRP’s design enables faster and more scalable transactions through a consensus mechanism, making it suitable for enterprise-level payment solutions.

He also addresses persistent confusion between Ripple as a company, XRP as a digital asset, and the XRP Ledger as an open-source blockchain. Garlinghouse emphasizes that XRP operates independently on global exchanges and is not owned by Ripple, although the company remains a significant participant in its ecosystem.

Institutional Momentum and Market Expansion

The webinar further highlights growing institutional involvement in crypto markets. Garlinghouse points to the rise of exchange-traded fund filings tied to XRP, describing such developments as a natural progression toward broader adoption. He notes that institutional access mechanisms, including ETFs, can expand participation among investors who may not wish to directly custody digital assets.

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

— TimesTabloid (@TimesTabloid1) June 15, 2025

Assia reinforces this perspective by acknowledging the increasing role of institutions in supporting market structure. He states that while early crypto adoption was driven largely by retail participants, institutional demand is now contributing to price stability and long-term growth.

Long-Term Outlook Aligns With Squire’s Position

While Squire’s X post delivers a brief and urgent directive, the webinar content provides context that aligns with a longer-term outlook for XRP. The emphasis on infrastructure, institutional access, and regulatory shifts suggests a market environment that could support increased utility and adoption.

Squire’s message ultimately reflects a conviction that timing remains critical. By framing the current period as a final opportunity to reposition, he underscores a belief that the next phase of market movement may occur with limited warning.

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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This transition has become especially important for the XRP community, which spent years closely watching regulatory battles involving Ripple and the SEC. As confidence slowly returns to the market, industry leaders are closely watching whether Washington is finally moving toward a more balanced framework for crypto.

Brad Garlinghouse Praises Paul Atkins’ Leadership

Brad Garlinghouse, CEO of Ripple, strongly endorsed the SEC’s current leadership following comments from SEC Chairman Paul Atkins, who marked his first year in office.

Atkins posted that when he assumed office one year ago, he promised a “new day” at the SEC and claimed his administration had delivered. He said the agency’s agenda centers on restoring regulatory clarity, strengthening U.S. market competitiveness, and accelerating innovation to ensure America remains the strongest and safest place to invest.

The SEC’s first mission is to protect investors. Under Gary Gensler, the SEC clearly lost its way. He declared war on a technology.. It was an unlawful power grab…and the courts said as much.

By comparison, @SECPaulSAtkins is a breath of fresh air and sanity. He is a model… https://t.co/Two2NO2mqw

— Brad Garlinghouse (@bgarlinghouse) April 20, 2026

Responding to that message, Garlinghouse sharply criticized former SEC Chairman Gary Gensler and praised Atkins for returning the agency to what he described as its real mission—protecting investors while supporting innovation.

Garlinghouse argued that under Gensler, the SEC “declared war on a technology,” describing the previous administration’s strategy as an unlawful power grab. He said the courts ultimately exposed the weakness of that approach. By contrast, he described Atkins as “a breath of fresh air and sanity” and called him a model of leadership focused on what truly matters.

Paul Atkins’ ACT Strategy Gains Attention

Atkins, who was sworn in on April 21, 2025, previously served as an SEC commissioner from 2002 to 2008 and later founded Patomak Global Partners. Since returning to the agency, he has pushed an agenda often described as the ACT strategy—Advance, Clarify, and Transform.

In public interviews, including a CNBC appearance, Atkins emphasized the need for a rational regulatory framework for crypto. He highlighted clear rules for token issuance, custody, and trading as essential steps to protect investors from fraud while allowing innovation to grow responsibly.

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

— TimesTabloid (@TimesTabloid1) June 15, 2025

His leadership style contrasts with the prior “regulation by enforcement” approach under Gensler. Many crypto firms had argued that enforcement actions without clear rules created uncertainty and pushed innovation outside the United States.

XRP Army Reacts with Support and Skepticism

The XRP community responded quickly to Garlinghouse’s remarks. Popular XRP supporter Amelie welcomed Atkins’ leadership. She pointed to his commitment to creating practical crypto rules that protect investors without blocking growth.

Crypto commentator Grace Millie also supported the shift, saying the SEC wasted significant resources under Gensler by relying too heavily on enforcement actions instead of transparent rulemaking.

However, not everyone agreed. Community member JunkSavvy pushed back on the praise, citing the MMTLP controversy and arguing that investor protection demands concrete accountability, not just strong public statements. Another user, OPM-DEGEN_589, urged lawmakers to move faster on the Clarity Act and reduce the influence of major banks over retail investors.

A Defining Moment for U.S. Crypto Regulation

The debate over Atkins’ leadership underscores a broader turning point for U.S. crypto policy. Investors and companies want more than promises—they want durable rules that support both innovation and trust.

For Ripple, XRP holders, and the broader digital asset industry, the message is clear: regulatory clarity is no longer optional. It is the foundation for the next phase of 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 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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The video was from Ripple’s Apex event in 2025. The CEO addressed the entrepreneurial energy in Singapore and Southeast Asia, including the region’s potential for continued crypto adoption. His comments then turned to the U.S., and that is where the weight of his message landed.

THIS IS HUGE!!

Brad Garlinghouse says the U.S. shifting to pro-crypto could trigger one of the biggest wealth waves in history!!

MASSIVE FOR CRYPTO AND $XRP!! pic.twitter.com/HXlLqef1qM

— Levi | Crypto Crusaders (@LeviRietveld) April 18, 2026

Garlinghouse on U.S. Regulatory Momentum

Garlinghouse stated that people grossly underestimate how much momentum the U.S. shift to a pro-innovation, pro-crypto posture will generate. He pointed to the U.S. as the world’s largest economy and argued that its regulatory direction carries global influence. Other countries, he said, look to the U.S. for guidance, making its stance a multiplier for adoption worldwide.

The CEO described the current U.S. posture as a shift that will drive momentum across the global crypto space. He called the potential wealth creation from this transition one of the largest in history.

What This Means for XRP

Ripple, the company Garlinghouse leads, has long positioned XRP as a tool for cross-border payments and financial infrastructure. A U.S. regulatory environment that welcomes crypto innovation directly benefits Ripple’s ability to operate, expand, and attract institutional partners.

Rietveld tied Garlinghouse’s remarks back to XRP. His post treated the video as bullish context for the asset. Given XRP’s central role in Ripple’s payment ecosystem, a friendlier U.S. regulatory climate removes friction that has historically limited the digital asset’s growth in its home market.

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

— TimesTabloid (@TimesTabloid1) June 15, 2025

Southeast Asia as a Leading Region

Garlinghouse also praised Southeast Asia as a region that will “thrive and lead” in crypto adoption. He cited the entrepreneurial energy he felt on the ground in Singapore. His view is that faster adoption in the region will accelerate as the U.S. establishes itself as a regulatory leader.

This matters for XRP because Southeast Asia represents a key market for cross-border payment solutions. Ripple has maintained an active presence in the region for years. Garlinghouse’s comments reflect confidence that both the U.S. and Southeast Asia will drive the next phase of growth.

The message Rietveld amplified is direct: a policy shift in Washington could set off a global chain reaction, and XRP sits at the center of the infrastructure built to benefit from 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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Ripple CEO Brad Garlinghouse highlighted this shift after Solana announced that XRP is now live on its network. Reacting to the development, Garlinghouse wrote that demand for XRP continues to grow, adding that broader access, expanding ecosystems, and stronger utility are driving that momentum. His statement has drawn significant attention across the crypto market, especially as XRP gains deeper access to decentralized finance.

XRP Goes Live on Solana

The update began when Solana posted, “BREAKING: XRP is live on Solana,” signaling that the asset had officially entered one of the industry’s fastest-growing DeFi ecosystems.

Demand for XRP keeps growing. More access, more ecosystems, more utility. https://t.co/zEqt5C3mmJ

— Brad Garlinghouse (@bgarlinghouse) April 17, 2026

RippleX later provided more details, explaining that wrapped XRP (wXRP) is now live on Solana through infrastructure powered by Hex Trust and LayerZero. According to RippleX, rising demand for XRP is driving liquidity across multiple chains, strengthening connections between ecosystems, and expanding the broader digital asset market.

This move allows XRP holders to participate in Solana’s decentralized finance ecosystem without selling their native XRP holdings.

What Wrapped XRP Means for Holders

Wrapped XRP, or wXRP, is a 1:1-backed version of native XRP held in regulated custody by Hex Trust. Each wXRP token represents one real XRP and can be redeemed back to the original asset at any time.

This structure gives XRP holders direct access to Solana-based DeFi platforms, including decentralized exchanges, lending protocols, liquidity pools, and yield-generating applications. Instead of keeping XRP idle, users can now deploy it across active DeFi markets while maintaining exposure to the original asset.

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

— TimesTabloid (@TimesTabloid1) June 15, 2025

Hex Trust previously stated that the wrapped asset launched with more than $100 million in total value locked, reflecting strong early institutional interest and confidence in XRP’s expanding use case.

Why This Expansion Matters

For years, XRP has built its reputation on speed, low transaction costs, and cross-border payment efficiency. Ripple positioned the asset as a bridge for global value transfer, especially for financial institutions and payment providers.

Now, XRP is gaining another layer of relevance. Its integration with Solana pushes the asset beyond payments and into decentralized liquidity, lending, and collateral management. This creates stronger utility and gives XRP a broader role in the evolving crypto economy.

Garlinghouse’s message reflects that larger vision. XRP is no longer defined only by remittance use cases. Its growing presence across multiple ecosystems shows that Ripple is positioning itself as a key asset for both traditional finance and decentralized finance, strengthening its long-term market relevance.

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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The post presents the remarks as direct and forceful, emphasizing disagreements over regulatory approaches and their potential consequences for the crypto industry.

The tweet quotes Hoskinson as comparing Garlinghouse to Gary Gensler and accuses him of supporting a legislative effort that could harm the industry. It also describes the situation as an escalating divide between supporters of different digital assets, particularly ADA and XRP, while asking followers to choose sides.

Charles Hoskinson just went NUCLEAR on Brad Garlinghouse:

"Brad is the new Gary Gensler… This bill f*cks the whole industry! FCK ALL OF US!"#Ripple CEO selling out crypto for $XRP?

ADA vs XRP war just went thermonuclear

Who's side are you on? #CryptoCivilWar https://t.co/2FqhwQRubh pic.twitter.com/qOmi7yn9qs

— ᙢinus ᙡells (@MinusWells) April 14, 2026

Hoskinson Explains His Position on Accountability

In the attached video, Hoskinson explains that he holds individuals accountable when their actions could create lasting consequences for the crypto ecosystem. He states that discussions in the space have become highly polarized, making it difficult for people to engage with arguments without reacting emotionally.

Hoskinson emphasizes that his criticism is based on Garlinghouse’s actions rather than personal intent. He claims that the proposed bill, “Clarity Act,” would classify digital assets as securities by default unless proven otherwise. According to him, this approach reflects regulatory practices previously associated with Gensler and could create serious challenges for new projects.

He argues that such a policy would allow certain entities to obtain exemptions while limiting competition for others. In his view, this creates an uneven environment that could affect how innovation develops within the industry.

Concerns About Developer Liability

Hoskinson also raises concerns about the removal of protections for decentralized finance developers. He warns that the bill could expose developers to what he describes as unlimited liability, where individuals may be held responsible for how unknown third parties use their code.

He questions how developers working on open-source software would be protected under such conditions. Hoskinson states that holding developers accountable for external use cases could discourage participation and slow development across the sector.

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

— TimesTabloid (@TimesTabloid1) June 15, 2025

Community Responses Highlight Division

The post includes a response from an X user, Third Eye XRP, who challenges Hoskinson’s position. The user refers to calls for regulatory action regarding Ripple and XRP and argues that current developments reflect earlier decisions.

This exchange suggests disagreement among crypto community members, especially regarding regulation and competition. Minus Wells’ post presents Hoskinson’s remarks in a confrontational tone, encouraging continued debate among users on X.

As reactions continue to emerge, the situation reflects clear divisions within the crypto space, with influential figures expressing opposing views on policies that could affect the direction of digital assets.

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 clip shows Garlinghouse speaking on payment infrastructure and how legacy systems still shape global transactions today.

Xaif highlighted the remarks as part of ongoing conversations around financial technology upgrades, noting that Ripple wants to replace the 150-year-old legacy payment rails with XRP. The post quickly circulated among the crypto community, focusing on payment infrastructure.

Brad Garlinghouse at Fortune "A wire transfer? The word 'wire' comes from a telegram. SWIFT hasn't moved with the internet."

We're replacing 150-year-old rails with XRP. The upgrade is happening. pic.twitter.com/4RN7JcjBEt

— Xaif Crypto (@Xaif_Crypto) April 13, 2026

Garlinghouse on SWIFT and Legacy Infrastructure

Brad Garlinghouse focused on the origins of the term wire transfer during the interview. He stated, “The expression wire transfer, the etymology of that is a telegram wire.”

He added that SWIFT reflects older infrastructure that has not kept pace with modern digital systems. His remarks also highlighted how these outdated, long-standing systems continue to anchor global banking communication.

He continued by pointing to how financial messaging systems lag behind internet-era communication tools. He said, “This is not technology that has moved with the internet and advancement of these technologies.”

He compared payment silos to early internet platforms. He referenced AOL, CompuServe, and Prodigy to show how early networks limited communication across systems.

The CEO explained that users could not send emails between platforms at that time. These examples illustrated the fragmentation that existed across early digital communication networks. This comparison helped explain the limitations in current legacy systems that have refused to move forward with technological advancement.

Ripple Vision for Value Movement

Garlinghouse described Ripple’s approach to cross-border payments. He said the company aims to “let value move the way information moves today.” His comments linked the current state of payments with the need for faster settlement systems. He positioned blockchain-based networks as part of this shift in financial infrastructure.

Garlinghouse linked this objective to ongoing development in blockchain-based payment rails. The statement aligned with Ripple’s focus on efficiency in cross-border transactions. Xaif emphasized the contrast between legacy rails and modern blockchain solutions. The post reinforced interest in XRP as an asset designed to streamline value transfer across borders.

A Financial System in Transition

Garlinghouse also addressed competition in the payments sector. He noted that multiple networks operate in parallel, yet efficiency remains a central concern. His remarks show Ripple’s focus on improving settlement speed and reducing friction in global transfers. The remarks place current payment infrastructure under clear scrutiny while highlighting a continued push toward faster settlement systems.

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, brought renewed urgency to the conversation as he marked his 11th anniversary at the company. In a post on X, Garlinghouse pointed to a series of high-level meetings in Washington, D.C., where he engaged directly with lawmakers, including Bill Hagerty, Bernie Moreno, Tim Scott, John Boozman, and policy adviser Patrick Witt. These discussions, alongside his appearance at the Semafor World Economic Summit, signal a coordinated push toward actionable legislation.

A Long Road Toward Regulatory Certainty

Garlinghouse’s milestone highlights more than tenure; it reflects a decade-long effort to secure clear rules for the crypto industry in the United States. Since 2015, he has led Ripple through a fragmented regulatory environment that often created friction between innovation and compliance.

Yesterday, I celebrated 11 years at Ripple. Back then, I couldn’t have predicted that we’d still be fighting for regulatory clarity.

The fight has been worth it. After a day in DC having great conversations with @SenatorHagerty, @berniemoreno, @SenatorTimScott, @JohnBoozman and… https://t.co/YGM7KKoMT0 pic.twitter.com/zAmBr6hIyX

— Brad Garlinghouse (@bgarlinghouse) April 14, 2026

Now, momentum appears to be shifting. Lawmakers have intensified engagement with industry participants, and conversations have moved beyond abstract debates toward concrete legislative outcomes. This change in tone suggests that Washington no longer views crypto as a peripheral issue but as a strategic sector requiring structured oversight.

The CLARITY Act Moves to Center Stage

At the heart of current discussions sits the Financial Innovation and Technology for the 21st Century Act, commonly known as the CLARITY Act. The bill passed the House in 2025 and has advanced to the Senate Banking Committee as of April 2026, marking a critical phase in its legislative journey.

The proposed framework aims to clearly define the roles of regulatory agencies and establish consistent guidelines for digital asset classification. Market participants have long argued that such clarity would unlock institutional capital and reduce compliance risks for blockchain companies operating in the U.S.

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

— TimesTabloid (@TimesTabloid1) June 15, 2025

Garlinghouse expressed growing confidence that rising pressure from both industry and policymakers could lead to compromise. He suggested that prolonged frustration with regulatory gridlock may now serve as a catalyst for progress rather than a barrier.

Why This Moment Matters for XRP

For XRP investors, regulatory clarity directly influences market dynamics. Legal certainty can improve liquidity conditions, attract institutional players, and strengthen the asset’s position within the global payment infrastructure.

Garlinghouse’s message frames the present moment as a narrow but critical window. His call to action reflects a belief that alignment between policymakers and industry leaders has reached a tipping point.

As legislative momentum builds, the coming weeks could define the regulatory landscape for years to come. For XRP holders, this period represents more than anticipation—it signals a tangible opportunity for long-awaited clarity to finally take shape.

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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The latest wave of debate followed a post by pseudonymous analyst Time Traveler, who suggested that Brad Garlinghouse, the CEO of Ripple, may already know the “real” price of XRP. The claim quickly spread across X, drawing intense responses from the XRP Army and reigniting long-standing concerns about leadership, incentives, and market dynamics.

Community Reactions Reveal Deep Divisions

The XRP community responded with a mix of skepticism, criticism, and curiosity. Some users dismissed the idea entirely, arguing that XRP’s current valuation reflects its real market worth. Others expressed frustration with Ripple’s leadership, noting that XRP still trades near $1.30 despite years of ecosystem growth.

Brad Garlinghouse knows what the real price of XRP is.

— 𝚃𝚒𝚖𝚎 𝚃𝚛𝚊𝚟𝚎𝚕𝚎𝚛 (@Traveler2236) April 8, 2026

A segment of the discussion focused on Garlinghouse’s personal incentives. Critics argued that his financial success is more closely tied to Ripple’s corporate valuation than to XRP’s market price, especially as speculation about a future IPO continues. This perspective fueled claims that XRP holders and Ripple executives may not share aligned interests.

Meanwhile, other voices questioned whether such insider knowledge, if it existed, would imply a level of centralization that contradicts the principles of decentralized finance. These concerns highlight a recurring tension within the XRP ecosystem.

The Gap Between Utility and Market Price

XRP’s core value proposition remains rooted in its role as a bridge asset for cross-border payments. Ripple’s technology support faster and cheaper cross-border transactions, targeting banks and financial institutions seeking real-time liquidity solutions.

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— TimesTabloid (@TimesTabloid1) June 15, 2025

Despite these developments, XRP’s price has not mirrored the scale of its perceived utility. This gap continues to drive speculation about whether the asset remains undervalued or whether the market has already priced in its realistic adoption curve. Analysts who favor the latter view argue that liquidity, demand, and macroeconomic conditions—not insider knowledge—determine price action.

Leadership Optics and Market Psychology

The idea that Garlinghouse “knows a secret” reflects more about investor sentiment than verifiable reality. Ripple executives’ public optimism and confidence often influence market perception, but there’s no confirmed evidence to suggest they have insider knowledge of XRP’s future price trajectory.

This episode underscores a broader psychological dynamic in crypto markets. Investors often search for hidden signals when price performance lags behind expectations. In XRP’s case, that search continues to fuel narratives that blur the line between speculation and fact, even as the market steadily defines its own truth.

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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The post highlights a segment from a Bloomberg interview in which Garlinghouse directly addressed whether Ripple could one day replace SWIFT.

In the interview, Garlinghouse stated that Ripple is already executing on a strategy that effectively positions it as a successor to SWIFT. He explained that the company has onboarded more than 100 banks, including several major institutions that currently rely on SWIFT infrastructure.

RIPPLE CEO: WE ARE TAKING OVER SWIFT

Brad Garlinghouse didn’t mince words:

“What we’re doing… is taking over SWIFT.”

Not partnering.
Not competing nicely.

Straight-up disruption. pic.twitter.com/y6b2d1vWmt

— Pumpius (@pumpius) April 5, 2026

According to him, these banks are now integrating Ripple’s technology into their operations, signaling a shift in how cross-border payments are processed.

Garlinghouse emphasized that Ripple’s approach is not theoretical but already producing measurable results. He cited a recent case involving a remittance company that adopted Ripple’s system.

The company reportedly reduced transaction costs from $20 to $2 per transfer and recorded an 800 percent increase in usage shortly after implementation. He presented this as evidence of a capability gap between Ripple’s technology and SWIFT’s existing infrastructure.

Efficiency and Cost Reduction as Core Arguments

The statements outlined in the video focus heavily on efficiency and accessibility. Garlinghouse argued that Ripple’s system enables faster and cheaper transactions, which directly impacts consumer adoption. He suggested that such outcomes are not achievable within SWIFT’s current framework, particularly in real-time processing and cost minimization.

At the same time, Garlinghouse acknowledged the possibility of coexistence. He stated that Ripple remains open to working with SWIFT if it helps improve financial systems. However, his broader message indicated that Ripple is actively building an alternative model that could reduce reliance on traditional intermediaries.

Counterpoint Highlights SWIFT’s Ongoing Development

The post also included a response from an X user identified as Axiom Protocol Official, who challenged the narrative that SWIFT is being overtaken. The user pointed out that SWIFT is not static and has already initiated digital asset trials in collaboration with major institutions.

These efforts include the development of shared-ledger infrastructure and initiatives to enable round-the-clock interoperability for tokenized deposits.

According to this perspective, the competition is not simply between cryptocurrency platforms and traditional banking systems. Instead, it centers on which entities will control the infrastructure that supports institutional settlement as tokenized finance expands.

The response suggests that both Ripple and SWIFT are actively evolving. The outcome will depend on the level of institutional adoption rather than rhetoric.

A Shifting Landscape in Global Payments

The exchange captured in the X post reflects an ongoing shift in global financial systems. Ripple’s leadership continues to present its technology as a viable replacement for legacy systems, while critics argue that established networks like SWIFT are adapting to maintain relevance.

As financial institutions explore blockchain-based solutions and tokenized assets, the question of dominance in cross-border settlement remains unresolved.

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That narrative gained fresh momentum after crypto commentator Levi Rietveld resurfaced a key interview featuring Brad Garlinghouse, CEO of Ripple. In a Bloomberg interview, Garlinghouse made a striking statement about Ripple’s trajectory in relation to SWIFT, signaling a long-term shift in global payment rails.

Ripple’s Expanding Role in Global Payments

Garlinghouse made it clear that Ripple does not merely aim to compete with SWIFT—it is actively building an alternative. He pointed to the company’s growing network of over 100 financial institutions, including major banks that already operate within the SWIFT ecosystem. This move shows a deliberate push to blend blockchain tech with traditional finance, reshaping cross-border transactions.

WOOOOOOOOOAAAAAHHHHHH!!!!

RIPPLE IS GOING TO TAKE OVER SWIFT!!!

Ripple CEO Brad Garlinghouse said in an interview:
“What we’re doing… is taking over SWIFT.”

MASSIVE SIGNAL FOR #XRP!! pic.twitter.com/maCfcAUbRo

— Levi | Crypto Crusaders (@LeviRietveld) April 6, 2026

Ripple’s technology enables near-instant settlement, a sharp contrast to SWIFT’s messaging-based system, which often requires multiple intermediaries and extended processing times. This fundamental difference continues to attract institutions seeking efficiency and transparency.

Cost Reduction Driving Adoption

Garlinghouse highlighted a real-world example that illustrates Ripple’s impact. A remittance provider using Ripple’s technology reduced transaction costs from $20 to $2. That dramatic drop did more than cut expenses—it triggered an 800% surge in transaction volume almost immediately.

This outcome reinforces a critical insight: when financial barriers fall, usage accelerates. Lower costs and faster processing create accessibility, particularly in regions where remittance flows support millions of households.

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

— TimesTabloid (@TimesTabloid1) June 15, 2025

Competition or Collaboration?

Despite bold claims about “taking over SWIFT,” Garlinghouse acknowledged the potential for collaboration. He emphasized that Ripple can work alongside SWIFT if both systems align toward improving global payments. This pragmatic stance suggests that disruption may unfold as a gradual transition rather than an abrupt replacement.

Financial institutions tend to adopt new infrastructure incrementally, especially when dealing with critical payment systems. Ripple’s strategy reflects this reality, as it builds relevance within the existing ecosystem while offering a clear technological advantage.

What This Means for XRP

The implications for XRP remain significant. Ripple uses XRP as a bridge asset to facilitate liquidity in cross-border transactions. As adoption grows and transaction volume increases, XRP’s utility strengthens accordingly.

Although the interview dates back to 2018, its core message remains relevant. The inefficiencies Garlinghouse identified persist within traditional systems. As blockchain adoption accelerates, Ripple’s positioning—and XRP’s role within it—continues to gain credibility in an evolving financial landscape.

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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