Brad Garlinghouse | Major XRP Adoption by 100 Global Banks
Edited By
Emily Harper
Ripple CEO Brad Garlinghouse announced a significant milestone on November 22, 2025, revealing that 100 global banks have adopted XRP for cross-border settlements. The news broke during Ripple's Swell 2025 conference, sparking discussions across crypto news outlets and social media platforms.
Key Details from the Announcement
Garlinghouse made the statement in a CNBC interview, highlighting that these banks are using XRP through Ripple's On-Demand Liquidity (ODL) service. This approach allows for real-time settlements without the need to pre-fund accounts, which could revolutionize the speed and cost of international transactions.
“We’re projecting up to $50 billion in daily XRP Ledger volume and 40 million new users soon,” said Garlinghouse, emphasizing a shift towards faster payments in the financial ecosystem.
Context and Implications
This latest announcement builds on Ripple’s existing partnerships with over 300 financial institutions, including notable names like Santander and PNC. However, skepticism remains as many banks initially focus on Ripple's blockchain technology before fully integrating XRP. The claim marks a critical moment, hinting at a challenge to SWIFT's dominance in global transaction volumes.
Reaction from the Community
The sentiment from community members reflects a mix of optimism and skepticism:
One commenter noted, "They’re always announcing partnerships," indicating a level of frustration with ongoing claims without immediate results.
Another wrote, "THANK YOU FOR YOUR ATTENTION TO THIS MATTER!" suggesting excitement about the potential changes in cross-border banking.
Key Takeaways
🔑 Garlinghouse confirms 100 banks integrating XRP for settlements.
💵 Up to $50 billion projected in daily transactions through XRP.
🔄 Ripple’s ODL service allows real-time payments, setting a new standard.
📊 Community remains cautious, questioning the pace of actual integration.
As Ripple continues to push for broader adoption, how will this impact traditional banking systems? Only time will tell, but one thing is clear: XRP's role in global finance is set for an exciting evolution.
Predicting the Ripple Effect on Global Banking
Experts estimate there's a strong chance that as more banks adopt XRP, we could see a significant shift in how traditional finance operates. With 100 banks already on board and projections of $50 billion in daily transaction volume, this momentum may compel others to follow suit within the next few years. As international payments become faster and cheaper, institutions will likely feel pressured to modernize their systems. If Ripple can maintain its current trajectory, it's conceivable that within five years, we could see a transformation in cross-border banking, with upwards of 300 banks leveraging XRP for settlements.
An Unexpected Echo from the Dot-Com Boom
A surprising similarity can be drawn between Ripple's current situation and the rise of online banking during the late ’90s. Just as consumers were initially skeptical of digital transactions, doubting their security and practicality, many in the banking sector now question the integration of XRP. However, once institutions recognized the efficiency and customer demand for online banking, they quickly adapted. Similar to the gradual acceptance of online banking technologies—once a novelty but now a fundamental service—XRP may soon become essential in global finance, reshaping how we perceive traditional banking processes.