Bank adoption of XRP for cross-border payments could directly impact demand for the asset, according to crypto researcher SMQKE.

In a recent tweet, SMQKE highlighted a Ripple demonstration that explains how financial institutions could use XRP as a bridge asset while expanding international payment capabilities.

The post focuses on two possible ways banks could access XRP for settlement. SMQKE clearly said both approaches could increase demand as payment activity grows across the network.

Banks adopting XRP for cross-border payments will drive up its price.

The Ripple demo reveals this adoption path for XRP.

Banks can either hold onto XRP, accumulating the asset, or source it from exchanges, which would boost trading volume.

In either case, the demand… pic.twitter.com/6reUriIgCR

— SMQKE (@SMQKEDQG) September 5, 2026

SMQKE Highlights Two Ways Banks Could Source XRP

“Banks adopting XRP for cross-border payments will drive up its price,” SMQKE wrote, pointing to the Ripple demonstration as evidence of the potential adoption path.

According to the researcher, banks using XRP for cross-border payments could either hold the asset directly or obtain it through cryptocurrency exchanges when they need to complete transactions. In the first scenario, banks would accumulate XRP for their payment operations. In the second, they would source XRP from the market as required.

SMQKE said either approach would increase demand for XRP as the network expands. The researcher therefore connected greater bank usage and higher payment activity with potential increases in market demand.

The video attached to the post explains the mechanism in greater detail. The speaker describes XRP as a digital asset that can facilitate payment settlement and points to its speed, scalability, and cost as factors that make it suitable for cross-border transactions.

The presentation also states that banks could increase their payment volume and reach without establishing additional direct liquidity relationships in every market.

Ripple Demo Highlights XRP Liquidity Role

The speaker further referenced XRP’s trading volume, saying its daily average is higher than that of many exotic currencies. According to the presentation, this liquidity could make XRP suitable for payments involving less-liquid currency corridors.

The demonstration explains that each participating bank could either hold XRP directly or use an exchange to source the asset. Under this arrangement, XRP would function as an on-demand liquidity pool that banks could access when settling payments.

The speaker then described RippleNet as a solution to existing liquidity challenges and characterized the system as more capital efficient.

SMQKE’s post specifically focused on the potential effect of this model on XRP demand. Rather than requiring banks to maintain separate liquidity arrangements for every corridor, the model presented in the video uses XRP as an intermediary asset for settlement.

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Community Comments Reinforce the Demand Argument

XRP HERALD agreed with SMQKE’s interpretation, writing that banks could either hold XRP or source it through exchanges, with both options potentially increasing demand. The account also linked greater network activity with increased pressure on available supply.

Nat Turner focused on the inefficiencies of the existing banking structure. Turner argued that banks currently maintain separate accounts, currencies, liquidity buffers, and collateral across different countries. According to the comment, this structure contributes to trapped capital, duplicated reserves, slower settlement, and foreign-exchange friction.

SMQKE’s post ultimately presents bank adoption as a potential demand driver for XRP, particularly if cross-border payment activity expands and financial institutions increasingly use the asset for on-demand liquidity.

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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On September 1, 2026, crypto commentator Xaif (@Xaif_Crypto) claimed that Ripple had locked 1 billion XRP back into escrow. The post cited three transactions: 300 million XRP to Ripple (1), 500 million XRP to Ripple (17), and 200 million XRP to Ripple (16). It spread quickly, and the community pushed back almost immediately.

What the Transactions Show

Ripple released 1 billion XRP from escrow at the start of the month, as it does each month under a program established in 2017. The release came in three tranches: 500 million, 400 million, and 100 million XRP. This is standard procedure. The XRP Ledger’s time-based escrow contracts trigger the release automatically on the first of each month.

The company always locks 600-800 million tokens after each release, but Xaif highlighted three new transactions totalling 1 billion XRP. Other prominent figures like Chad Steingraber also reported the occurrence. However, they misread the situation.

Two of them, the 500 million XRP and 200 million XRP transfers, were confirmed escrow lock transactions. That puts the actual amount re-locked at 700 million XRP, consistent with Ripple’s historical escrow pattern.

RIPPLE LOCKS 1 BILLION XRP BACK INTO ESCROW

300M XRP → Ripple (1)
500M XRP → Ripple (17)
200M XRP → Ripple (16)

1,000,000,000 XRP in total locked back into escrow. $XRP #Ripple #XRPL https://t.co/TDGYn4nBWo pic.twitter.com/xH0UFQIRfG

— Xaif Crypto (@Xaif_Crypto) September 1, 2026

The 300 Million XRP Transaction

The 300 million XRP transfer to Ripple (1) is the disputed transaction. Many community members pointed out this fact. Ben Smith noted that the 300 million transfer was a payment, not an escrow lock, identical in structure to transfers Ripple made the previous month.

He shared a screenshot of the reports from Whale Alert, a prominent whale tracker, showing the 1 billion XRP unlocked and 700 million XRP locked. He also shared another screenshot showing the first two as escrow transactions and the 300 million XRP transfer as a payment.

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A Cycle That Keeps Raising Questions

Ripple’s escrow system has been a recurring subject of speculation since its inception. Every month, as the unlock approaches, traders and analysts debate how much XRP will re-enter circulation and what effect it will have on XRP’s price. The pattern rarely changes, yet the conversation restarts each time.

Many have accused Ripple of selling XRP for profit through escrow releases. Others have taken it further, speculating on major plans for the locked tokens, including a potential 5 billion XRP deal with Amazon. However, nothing out of the ordinary seems to have happened this month.

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Crypto commentator Xaif (@Xaif_Crypto) shared a video that has drawn significant attention across crypto circles. In it, former BlackRock Managing Director Edward Dowd offers his view on XRP and Ripple’s trajectory. Xaif’s post called Dowd’s comments “institutional consensus forming in real time.”

The clip comes from an interview where Dowd speaks directly about large financial institutions adopting Ripple’s technology.

What Dowd Said About Ripple

Dowd made his position clear. He said he believes XRP’s success is inevitable given the direction major institutions are moving. His reasoning centers on adoption. When large companies begin integrating Ripple’s technology into their operations, Dowd sees that as a signal that the network will grow. He stated, “I think it will succeed if these big institutions are adopting it.”

Dowd also acknowledged that XRP carries divided opinion. He noted that “you get people with very different opinions on it,” but suggested that institutional behavior ultimately matters more than public sentiment. For Dowd, large firms’ actions carry more weight than retail debate.

Former BlackRock Managing Director: Ripple / XRP success is inevitable.

When Wall Street's own start saying the quiet part out loud, that's not hype that's institutional consensus forming in real time. https://t.co/ONOMVFbC1m pic.twitter.com/xT3OmqpJSn

— Xaif Crypto (@Xaif_Crypto) August 29, 2026

The Institutional Adoption Argument

The interview also touched on a point that often gets lost in XRP discussions. Ripple doesn’t need to capture the entire payments market to be successful. The interviewer made this explicit, and Dowd agreed. He noted that institutions do not have to be “all in” for the network to generate significant value.

Critics of XRP often point to competitive pressure from other payment networks. Dowd’s position suggests that even a portion of global payment flow through Ripple’s infrastructure represents a substantial outcome. The total addressable market in cross-border payments runs into the trillions annually. A smaller share of that market still produces enormous transaction volume.

The Importance of the Source

Dowd is not a retail investor or anonymous online commentator. He held a senior position at BlackRock, one of the world’s largest asset management firms. When someone with that background says XRP success is inevitable based on institutional adoption trends, it draws more attention than typical crypto commentary.

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CryptoSensei, a prominent figure in the community, replied, “When people from inside traditional finance start saying it out loud, you know the conversation is changing.”

Where XRP Stands

Institutional interest in Ripple’s technology has grown steadily. Several major financial firms have explored or announced integrations with Ripple’s payment infrastructure. Dowd’s comments align with that trajectory. His assessment shows the trend is established enough that the outcome, at this point, is a matter of when rather than if.

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 XRP Ledger has reached a major milestone for RLUSD, with the stablecoin’s supply on the network surpassing $1 billion.

XRPL Validator Vet highlighted the development in a tweet, pointing to RLUSD’s growth alongside several other stablecoins already operating on the ledger. Vet wrote that the progress made over the past two years shows how quickly the XRP Ledger’s issued-asset ecosystem is expanding.

RLUSD Supply Crosses $1 Billion

In the tweet, Vet announced that RLUSD had crossed $1 billion in supply on the XRP Ledger. The validator described the milestone as a significant change from the network’s state two years ago.

“Compared to 2y ago this is a night and day difference,” Vet wrote, adding that the XRP Ledger has made “tremendous progress” and that the pace of development is accelerating.

We just crossed $1,000,000,000 in $RLUSD supply on the XRP Ledger.

In addition to other stablecoins on XRP like Braza Bank's USDB, Societe Generale EURCV, Circle USDC, Schuman Financial EUROP (P-DEX users!) and many others.

Compared to 2y ago this is a night and day difference,… pic.twitter.com/NdOUEtLzKM

— Vet (@Vet_X0) August 28, 2026

The $1 billion RLUSD supply represents a notable increase in the amount of the stablecoin issued on the XRP Ledger. RLUSD is designed to maintain a stable value relative to the U.S. dollar and has become part of the network’s growing stablecoin infrastructure.

Vet did not present the RLUSD milestone in isolation. Instead, the validator connected it to the broader expansion of issued assets on the XRP Ledger.

Several Stablecoins Highlighted

Vet pointed to several other stablecoins and digital assets operating on the XRP Ledger. The post specifically mentioned Braza Bank’s USDB, Société Générale’s EURCV, Circle’s USDC, and Schuman Financial’s EUROP.

The reference to these assets highlights the increasing range of stablecoins available within the XRP Ledger ecosystem. These assets represent different currencies and issuers, adding to the network activity beyond XRP.

Vet also referenced P-DEX users when mentioning EUROP, indicating the relevance of these issued assets to decentralized exchange activity on the ledger.

The validator’s comments focus on the XRP Ledger’s ability to support multiple issued assets rather than concentrating activity around a single token. This reflects one of the network’s core functions, as the ledger includes a decentralized exchange that allows users to trade issued assets.

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Vet Emphasizes XRP Ledger’s Issued-Asset Design

Vet further explained the role of issued assets within the XRP Ledger. According to the validator, “The XRP Ledger loves issued assets,” with its decentralized exchange operating at the core of the network.

Vet also emphasized XRP’s role within this structure, describing it as a digital commodity that supports the ledger’s decentralized exchange environment.

The comments present the $1 billion RLUSD milestone as part of a broader development in the XRP Ledger ecosystem. Rather than viewing stablecoin supply as a standalone achievement, Vet linked RLUSD‘s growth with the expanding presence of other stablecoins and issued 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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Ripple’s expansion into institutional financial markets raises broader questions about how the company could position its infrastructure across payments, settlement, liquidity and credit.

Versan Aljarrah, founder of Black Swan Capitalist, has offered a detailed view of this development, describing Ripple’s latest expansion as a structure that increasingly resembles several functions traditionally associated with central banking.

Aljarrah Links RLUSD, XRPL and Ripple Prime

In a post on X, Aljarrah said Ripple has “just opened a Wall Street swap desk” covering stocks, indexes and crypto under what he described as “one balance sheet.” He connected this development to three core functions he associates with a central bank: issuing money, operating a settlement system and standing between counterparties when credit is extended.

Aljarrah mapped those functions directly onto Ripple’s ecosystem. He identified RLUSD as the money component, the XRP Ledger as the settlement system, and Ripple Prime as the credit and institutional trading component. He then identified Delta One as the desk going live, presenting the development as an extension of that broader structure.

@Ripple just opened a Wall Street swap desk. Stocks, indexes, and crypto. One balance sheet.

A central bank does three jobs: it issues the money, it runs the settlement system, and it stands in the middle when credit is extended.

Ripple is lining up the same three. RLUSD is the… https://t.co/3vMqw5ymE5 pic.twitter.com/2kR7waSo0A

— Versan | Black Swan Capitalist (@VersanAljarrah) August 27, 2026

His assessment focuses on the combination of these services rather than any single product. By bringing traditional financial instruments and digital assets into the same institutional framework, Ripple could potentially reduce the friction involved in moving capital between different markets and financial systems.

XRP at the Center of Aljarrah’s Thesis

A major part of Aljarrah’s post concerns XRP. He described XRP as “the reserve asset at the center” and characterized it as the scarce asset around which the broader system could be organized.

The statement reflects Aljarrah’s broader view that XRP could occupy a foundational role within Ripple’s institutional infrastructure. Under his framework, RLUSD provides a stable digital dollar instrument, while the XRP Ledger provides the underlying settlement network. Ripple Prime and Delta One would then extend that infrastructure into institutional trading and credit markets.

This interpretation places XRP beyond its role as a traded digital asset and presents it as a potential liquidity and reserve component within a larger financial ecosystem. However, this remains Aljarrah’s characterization rather than an indication that Ripple functions as a central bank in the regulatory or legal sense.

Ripple’s Expansion Into Capital Markets

Aljarrah also highlighted what he sees as an incremental strategy behind Ripple’s expansion. He wrote that the next stage involves “another license, another market, another hour they stay open,” suggesting that regulatory approvals and market access could progressively broaden the company’s institutional operations.

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A multi-asset desk that could operate across traditional and digital markets could also provide institutions with access to liquidity beyond conventional market hours. Crypto markets operate continuously, creating opportunities for institutions to manage positions and liquidity outside traditional stock-market sessions.

At the same time, such an integrated structure would require extensive compliance, risk controls and counterparty oversight. Combining issuance, settlement and credit functions could increase operational efficiency, but it could also concentrate financial activity within one ecosystem.

Aljarrah concluded that Ripple is gradually becoming “a central bank of its own kind,” with XRP at the center of that structure. His comments therefore frame the Delta One development not as an isolated product launch, but as another step in Ripple’s broader expansion across institutional finance.

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 2014 video is being revisited for its early assessment of Ripple’s payment-focused network and its potential beneficiaries. Technical analyst ALLINCRYPTO shared the clip on X, highlighting comments from St. Louis Federal Reserve economist David Andolfatto about Ripple’s currency-agnostic design.

The post states that Andolfatto’s remarks came at a time when the cryptocurrency industry remained relatively small and before digital assets gained broader mainstream attention. ALLINCRYPTO described XRP as an asset that was “hiding in plain sight” and emphasized Andolfatto’s position as an economist associated with the Federal Reserve Bank of St. Louis.

The analyst also suggested the comments show how some economists examined Ripple’s payment infrastructure and its relationship with different forms of money during the early stages of the cryptocurrency market.

$XRP WAS HIDING IN PLAIN SIGHT 12 YEARS AGO.

In 2014, St. Louis FED economist David Andolfatto argued @Ripple users could be the real winners because the network was currency agnostic.

Before crypto went mainstream, serious economists already understood the endgame.$XRP… pic.twitter.com/3KncJfbdRN

— ALLINCRYPTO (@RealAllinCrypto) August 25, 2026

David Andolfatto’s 2014 Assessment

In the video, Andolfatto directly discusses whether people using Ripple could benefit from the network. He said, “I think you guys might be the winners,” before explaining that Ripple was designed as a currency-agnostic protocol.

Andolfatto contrasted Ripple with Bitcoin, describing Bitcoin as a system that wanted to serve as money. He said Ripple had a native currency but operated primarily as a protocol focused on facilitating payments.

His explanation centered on the network’s ability to process different currencies rather than depending on a single asset. Andolfatto specifically cited US dollars, euros, Bitcoin, and Ripple’s native currency as examples of assets the protocol could process.

He then suggested that a regulatory ruling at the time could benefit payment processors rather than digital currencies competing directly with traditional forms of money.

ALLINCRYPTO Highlights Early XRP Relevance

ALLINCRYPTO used the video to emphasize the distinction between XRP and the broader Ripple payment protocol. The analyst described Andolfatto as a “powerful/impressive figure” who discussed XRP during the asset’s early years.

The tweet also states that “XRP was never just another coin,” presenting the 2014 comments as evidence that the technology surrounding XRP had attracted attention beyond the cryptocurrency community.

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Andolfatto’s comments did not constitute a price prediction for XRP. Instead, he focuses on Ripple’s architecture and its ability to facilitate transactions across different currencies.

Renewed Focus on XRP’s Payment Role

The resurfaced video reveals an economist’s perspective on Ripple’s technology more than a decade ago. Andolfatto’s comments specifically emphasized payment processing and interoperability between currencies, while distinguishing that approach from Bitcoin’s monetary objective.

For ALLINCRYPTO, the clip’s significance lies in how closely those early observations align with the payment-oriented use case frequently associated with XRP and the XRP Ledger 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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A post from crypto analyst Steph Is Crypto is bringing attention to a claim about XRP holders and Ripple’s future cash flows. The post quotes a William & Mary Law Review paper stating that “XRP purchasers have bought, effectively, a slice of Ripple’s future cash flows.”

While the quotation itself is genuine, interpreting it to mean that XRP holders have a legal claim to Ripple’s revenue or profits would be incorrect.

What Steph Is Crypto Shared

Steph Is Crypto highlighted the academic quotation in a tweet. He described the claim as “CRAZY” and suggested that XRP holders have a claim on Ripple’s future cash flows. The quote comes from an academic paper by law professor James C. Spindler published in the William & Mary Law Review.

The statement has attracted attention because it appears to compare the economic position of XRP purchasers with an interest in Ripple’s future business performance. However, the paper’s argument requires more legal and economic context than the social media post provides.

Spindler’s analysis focuses on the relationship between a token’s value and the success of the business or network associated with it. In that sense, XRP purchasers can have economic exposure to Ripple’s growth because greater adoption of Ripple-related payment infrastructure could contribute to demand for XRP.

That economic relationship, however, does not create ownership rights in Ripple.

CRAZY:$XRP HOLDERS HAVE A CLAIM ON RIPPLE'S FUTURE CASH FLOWS.

"XRP purchasers have bought, effectively, a slice of Ripple's future cash flows…" — William & Mary Law Review pic.twitter.com/FXssn3XD85

— STEPH IS CRYPTO (@Steph_iscrypto) August 26, 2026

XRP Does Not Give Holders Rights to Ripple’s Revenue

Holding XRP does not give a person an equity interest in Ripple Labs. XRP holders do not receive dividends from Ripple, do not obtain voting rights in the company, and cannot demand a portion of Ripple’s profits or corporate revenue.

If Ripple generates substantial revenue through its enterprise operations, XRP holders do not acquire a contractual or statutory right to receive part of those proceeds simply because they own XRP.

The distinction is important because a company’s shares and crypto tokens operate under fundamentally different legal structures. A shareholder can possess rights connected to the company’s equity, while an XRP holder owns the token itself.

The Economic Connection Remains Important

The academic argument highlighted by Steph Is Crypto concerns economic exposure rather than a direct legal entitlement. XRP’s value can be influenced by developments affecting its broader ecosystem, including adoption, transaction activity, and the use of XRP in payment-related applications.

That relationship can create an economic alignment between XRP purchasers and the growth of businesses or networks that contribute to demand for XRP. It does not, however, transform XRP into an equity instrument or give holders a claim against Ripple’s corporate cash flows.

This distinction also remains relevant to the broader legal debate surrounding XRP. In the SEC’s case against Ripple, Judge Analisa Torres distinguished between institutional sales and programmatic sales of XRP, finding that programmatic buyers did not have the same expectation of profits based on Ripple’s efforts.

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Why the Wording Matters

The William & Mary Law Review quotation describes an economic phenomenon rather than establishing that XRP holders legally own a portion of Ripple’s future revenue. Presenting the statement as proof that XRP holders possess a legal claim on Ripple’s cash flows removes an important qualification from the academic argument.

Steph Is Crypto’s post therefore highlights an interesting passage from legal scholarship. But the statement should not be interpreted as evidence that XRP represents ownership in Ripple or entitles holders to the company’s profits.

XRP holders can potentially benefit economically if demand for XRP increases, but that is fundamentally different from having a legal claim on Ripple’s corporate cash flows.

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 has added Stablerail to its global payments infrastructure, according to crypto researcher BankXRP, who highlighted the development in a post outlining how the two platforms could work together to support cross-border transactions.

BankXRP described Stablerail as an operating layer that brings together Ripple’s payment rails with financial controls designed for businesses and financial institutions. The researcher said the integration could provide companies with greater visibility and control over international payments while maintaining access to faster settlement.

According to BankXRP’s tweet, Stablerail has processed more than $70 billion for financial institutions. The researcher also said the platform supports cross-border settlement in seconds and allows users to know transaction costs before sending funds.

The post presents the development as an expansion of the infrastructure available to businesses managing international payments, particularly those that need more control over transactions after initiating them.

RIPPLE JUST ADDED ANOTHER PIECE TO THE GLOBAL PAYMENTS STACK

Stablerail is launching on Ripple bringing Ripple’s payment rails together with the controls finance teams actually need.

$70B+ processed for financial institutions
Cross-border settlement in seconds
Costs… pic.twitter.com/PGiZHzq820

— 𝗕𝗮𝗻𝗸XRP (@BankXRP) August 25, 2026

Financial Controls and Payment Management

BankXRP highlighted several features that Stablerail brings to the payments process. These include approval policies, transaction limits and auditable records, which can give finance teams greater oversight of payment activity.

The researcher also said Stablerail supports fiat currencies, stablecoins, cards, treasury functions and foreign exchange. These capabilities could allow businesses to manage multiple components of cross-border payments through an operating layer connected to Ripple’s payment infrastructure.

The emphasis on financial controls is significant because large businesses often care more about fast settlement when managing international transactions. Finance departments also need processes that enable payment approval, establish limits, monitor activity, and maintain records for internal controls and reporting.

BankXRP’s post therefore focused on the relationship between settlement infrastructure and operational requirements of businesses rather than describing Stablerail solely as another payment service.

Ripple Provides the Settlement Rail

BankXRP summarized the relationship by describing Ripple as the settlement rail and Stablerail as the operating layer built around it.

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Under this structure, Ripple would provide the underlying payment infrastructure while Stablerail would provide businesses with tools to manage transactions and financial operations. The researcher suggested that combining these functions could make cross-border payments faster, more transparent, and easier for global companies to manage.

The post also connected the development to the broader evolution of international payments, where businesses increasingly require support for traditional currencies and digital assets alongside established treasury and foreign exchange processes.

BankXRP concluded that combining Ripple’s payment infrastructure and Stablerail’s operational controls could improve the experience for companies conducting international transactions.

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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.

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Ripple’s expansion into traditional financial markets has taken another step, according to crypto researcher BankXRP, who claims Ripple Prime has raised $275 million through a private bond sale.

The reported transaction places attention on the financial structure of Ripple’s brokerage business and its growing connection to institutional capital markets.

BankXRP highlighted the reported financing in a post on X, stating that Ripple Prime, formerly known as Hidden Road following Ripple’s $1.25 billion acquisition of the company, completed the private bond sale with an 8.25% coupon and a 2031 maturity date.

The researcher also noted that Kroll assigned the business a BBB rating, which is the first instance of a crypto-owned broker-dealer reaching investment-grade status.

RIPPLE TAPPED THE BOND MARKET

Ripple Prime (formerly Hidden Road, the $1.25B acquisition) just raised $275 MILLION in a private bond sale.

8.25% coupon
Matures 2031
BBB rating from Kroll investment grade
First-ever crypto-owned broker-dealer to hit IG status https://t.co/xPB4OyY1ur pic.twitter.com/3zo1mFrUsV

— 𝗕𝗮𝗻𝗸XRP (@BankXRP) August 23, 2026

Ripple Prime Reportedly Secures $275 Million

According to BankXRP, the $275 million financing gives Ripple Prime access to debt capital while establishing a credit profile. The post characterized the transaction as a significant development for Ripple’s institutional financial operations.

The attached Bloomberg screenshot identifies Ripple Prime CIV US BD Holdco LLC as a special purpose entity. The company description states that the entity was formed to issue debt securities to repay existing credit facilities, refinance indebtedness, and support acquisition purposes.

The information provides additional context for BankXRP’s post, although the screenshot itself does not display the specific bond terms cited in the researcher’s commentary.

BankXRP stated that the reported notes carry an 8.25% coupon and mature in 2031. The researcher also emphasized the reported BBB rating from Kroll, presenting it as an important milestone for a company operating within the cryptocurrency sector.

8.25% Coupon and 2031 Maturity

The reported 8.25% coupon is the annual interest rate attached to the bonds, while the 2031 maturity indicates when the principal would become due under the reported structure. BankXRP focused on these terms as evidence that Ripple Prime has entered the conventional debt market while retaining its connection to the digital-asset industry.

The researcher’s post also described the financing as Ripple having “tapped the bond market,” linking the transaction to the company’s broader expansion following its acquisition of Hidden Road.

The reported BBB rating from Kroll also drew attention from commenters. Blue questioned whether Ripple Prime needed the full $275 million immediately or whether establishing a formal credit rating represented an equally important objective.

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Questions Over Ripple Prime’s Financial Disclosure

Lily Lam focused on the significance of Kroll’s reported BBB rating, noting that an investment-grade rating for a crypto-owned broker-dealer represents a notable development. However, she also pointed to the cost associated with the reported financing, given the 8.25% coupon extending to 2031.

Lam further raised a question about financial transparency, asking whether Ripple Prime would make detailed financial statements publicly available.

BankXRP’s post therefore places the reported $275 million financing within a wider discussion about Ripple Prime’s access to institutional debt, its credit standing, and the financial structure of Ripple’s brokerage operations.

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