Ripple CEO Reveals How XRP Competes on Merit in Cross-Border Payments

Ripple CEO Brad Garlinghouse recently explained how his company approaches cross-border payments. The key is not to start with XRP, but with the customer's problem.

According to Garlinghouse, when Ripple evaluates an institution looking to move money, the team determines which asset best solves that problem. 'It could be that XRP is the best bridge asset for that purpose,' he said, 'or it could be that a stablecoin is going to solve that problem better.'

Ripple's approach reflects a competitive commercial mindset: solving problems effectively wins business and keeps its share of wallet.

XRP remains a central bridge asset in Ripple's payment flows due to its speed, low transaction cost, and liquidity. Garlinghouse emphasized that XRP earns its place through performance, not mandate or requirement.