Ripple CEO Brad Garlinghouse has shared a bold vision for XRP, stating that it is on track to “rewire the entire banking system” – not just improve it. Speaking at the XRP Las Vegas conference, Garlinghouse urged the XRP community to focus on this broader mission rather than waste energy on rivalries with Bitcoin or other cryptocurrencies.
His message is clear: Ripple isn’t here to fight Bitcoin – it’s building a financial infrastructure that could change the way money moves across the world. According to Garlinghouse, Ripple is creating an ecosystem that bridges traditional banks and blockchain technology. While most of the crypto industry aims to remove banks from the equation, Ripple’s approach is to bring them into the future of finance by building tools they can use.
First time, but certainly not the last on @Ripple's Crypto in One Minute! https://t.co/XyDONs7hdZ
— Brad Garlinghouse (@bgarlinghouse) May 23, 2025
The core of Ripple’s strategy centers around cross-border payments. By eliminating the need for middlemen and pre-funded accounts, Ripple wants to make global money transfers faster, cheaper, and more transparent. It’s a move that Ripple CTO David Schwartz has described as “rewiring” the banking system – and Garlinghouse fully agrees.
Garlinghouse emphasized the scale of this shift, urging the XRP community not to underestimate what’s happening behind the scenes. “We underestimate how big that change is and how profound it is,” he said. He suggested that the real scope of this transformation will be obvious in 10 to 20 years, but not everyone thinks it will take that long. A prominent XRP community voice, known as Vale, tweeted that Ripple is already changing the financial system today.
There’s growing evidence to support that claim. Ripple was recently mentioned by the US Faster Payments Council as a key company pushing forward efficient and transparent payments. Even Morgan Stanley listed Ripple among SWIFT’s top competitors, SWIFT processes more than $5 trillion in daily transactions.
Despite XRP’s ongoing struggles to gain widespread acceptance in the US due to regulatory uncertainty, Garlinghouse is still optimistic. He’s calling for collaboration across the crypto landscape, including potential partnerships with networks like Cardano. He made it clear that Ripple’s mission doesn’t require XRP to beat Bitcoin – it only needs the space to grow alongside it.
In a symbolic gesture, Garlinghouse even donated the Skull of Satoshi – a physical artwork critiquing Bitcoin’s energy use—as a peace offering to BTC advocates, showing he’s serious about ending the feud between the two communities.
To Garlinghouse, the goal is bigger than tribalism. Ripple is building infrastructure for the long game, and he wants the entire crypto world to win together.
Read also: XRP Has No Legal Clarity? Pro-Ripple Lawyer Fires Back at “Biggest Lie in Crypto This Year”
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