The conversation around Ripple and its digital currency, XRP, has been reignited by recent statements from CEO Brad Garlinghouse. His perspective consistently emphasizes that the true strength of XRP lies in its practical applications within the global finance ecosystem, rather than mere speculative trading or attempting to supplant existing financial systems. These reflections have found new relevance as discussions about XRP’s adoption and regulatory future continue to gain traction among potential investors.
Understanding the Core Value of XRP Through Garlinghouse’s Vision
A compelling video clip circulating on social media, featuring XRP enthusiast JackTheRippler, revisits much of Garlinghouse’s insight from an interview where he predicted a monumental influx of capital toward XRP. He stressed that the viability and lasting success of cryptocurrency can only be achieved by addressing real-world challenges and establishing a solid user base.
These pivotal remarks, captured during a 2017 appearance on CNBC’s Squawk Alley, coincided with a period when many cryptocurrencies were being driven purely by market speculation. During this insightful dialogue, Garlinghouse elucidated that XRP was designed for a tangible purpose: to bridge liquidity gaps among banking institutions. He noted that a staggering $27 trillion remained inefficiently locked up in correspondent banking systems to facilitate international payments.
RIPPLE CEO AFFIRMS THAT #XRP ENABLES TRANSACTIONS IN SECONDS!
TRILLIONS IN FINANCIAL GROWTH AWAIT ON XRPL. PIVOTING TO TOKENIZE THE REAL ESTATE MARKET! DYOR/NFA
DISCOVER THE TOKEN HERE: pic.twitter.com/seidvGLqdy
— JackTheRippler © (@RippleXrpie) September 27, 2025
Garlinghouse’s ambition is that XRP would revolutionize the financial sector by alleviating stagnant capital and optimizing cross-border payment processes. “Our digital asset, XRP, functions to resolve liquidity demands between financial institutions,” he articulated.
Though many years have passed since these declarations, they resonate strongly in current discussions about XRP. Its potential for mainstream acceptance within the global finance framework remains pivotal for many investors who hold the view that XRP is distinct from other crypto assets.
Anticipating the US SEC’s Decision on Spot XRP ETF
Currently, focus is shifting toward the regulatory aspects of XRP, as many investors eagerly await the outcome of pending Spot XRP ETF applications. Following the recent approvals for Bitcoin and Ethereum, XRP is widely regarded as the next logical candidate due to its status as the third-largest cryptocurrency by market capitalization.
The U.S. SEC has recently introduced new guidelines aimed at expediting the approval process for cryptocurrency ETFs, shortening the review cycle to a mere 75 days. Key decisions are on the horizon, with Grayscale’s application expected on October 18, followed by others like 21Shares, Bitwise, CoinShares, and WisdomTree through October 24.
A successful launch of a Spot XRP ETF could mark a transformative moment for XRP, establishing its rightful place alongside Bitcoin and Ethereum in the realm of traditional finance.
As of this writing, XRP is trading at approximately $2.79.
Featured image courtesy of Istockphoto, chart sourced from TradingView
