A recent video shared on X by crypto commentator XRP_Cro (@stedas) features Ripple CEO Brad Garlinghouse discussing how XRP addresses liquidity challenges in cross-border payments. The post frames XRP as a tool to handle trillions of dollars sitting idle in nostro and vostro accounts globally, showing the scale of the issue the asset aims to solve.
Utility Over Hype
In the video, Garlinghouse stresses that the long-term value of any digital asset must stem from its usefulness rather than speculation. He notes that investors and industry participants should ask what problem a token solves, how large that problem is, and how many customers it serves.
“There’s no question there’s a lot of hype in this system, and I don’t actually think that’s a good thing,” he says, highlighting Ripple’s approach as grounded in solving tangible financial challenges.
#XRP is solving a global payments problem
💵Trillions of dollars are parked in nostro / vostro accounts globally pic.twitter.com/z8nc77plct
— XRP_Cro 🔥 AI / Gaming / DePIN (@stedas) September 16, 2025
XRP’s Use Case
Garlinghouse explains that Ripple uses XRP specifically to settle liquidity needs between banks. According to him, about $27 trillion is currently parked at financial institutions around the world so they can facilitate payments with one another.
He argued that a digital asset like XRP can handle this process in real time, eliminating the need for such large reserves and revolutionizing this massive cross-border payment market.
“Because XRP has been so efficient, it settles a transaction in about three seconds compared to Bitcoin in one hour,” Garlinghouse added. He clarified that XRP “just passes through that currency for that period of time,” highlighting its role as a bridge asset rather than a long-term holding.
We are on X, follow us to connect with us :- @TimesTabloid1
— TimesTabloid (@TimesTabloid1) June 15, 2025
Potential for Growth
Garlinghouse’s comments reinforce Ripple’s positioning of XRP as a functional solution rather than a speculative asset. By focusing on liquidity for banks, XRP directly targets a massive existing problem in the global financial system. If banks and financial institutions continue to adopt the technology, XRP’s utility could increase significantly.
The emphasis on speed and cost efficiency also aligns with the industry’s push toward instant cross-border settlements, making XRP attractive to institutions looking to modernize their operations.
A Utility-Driven Future for Digital Assets
The video highlights how Ripple sees its digital asset as more than just a store of value. XRP is an enabling technology that solves problems, and Garlinghouse’s statements indicate confidence that efficiency and utility will drive adoption, especially when dealing with trillions of dollars in global transfers.
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.
Follow us on Twitter, Facebook, Telegram, and Google News
