A video recently shared by HighVibeAssets (@HighVibeAssets), co-founder of AlgoPear and a well-known voice in the cryptocurrency community, captured a conversation between a bank chief executive and Ripple CEO Brad Garlinghouse. The exchange centered on inefficiencies in cross-border payments and the nature of Ripple’s liquidity solutions. The clip, which has circulated widely among financial circles, offers a look at how traditional banking leaders perceive digital asset integration into global payment systems . BANK CEO: “MY TRANSACTION COST ME $10 AND TOOK 24 HOURS TO SETTLE, CAN RIPPLE FIX THIS” BRAND GARLINGHOUSE : RIPPLE HAS THE TECHNOLOGY TO UNLEASH UNLIMITED DORMANT LIQUIDITY IN ANY ASSET, IN ANY FINANCIAL MARKET, IN SECONDS FOR LESS THAN A PENNY #XRP pic.twitter.com/J9M0htKXBq — HighVibeAssets Ben Malena (@HighVibeAssets) October 22, 2025 Payment Delays and the Cost of Inefficiency During the discussion, the Bank CEO recounted an experience while working on a short-term fellowship at the Bank of England. He described transferring rent funds to a UK-based institution, Centendaire, and noted that the process was both slow and costly. The transaction took 24 hours to complete and cost $10 in fees, highlighting the friction that persists in cross-border banking transfers even between major financial centers. The CEO noted that while the amount might seem minor to some, it still illustrates inefficiency in the system . He added that the funds were uninsured during the 24-hour transfer window, emphasizing a lack of protection for money in transit. He acknowledged that some may overstate the severity of such problems but maintained that the situation raised legitimate concerns about the security and reliability of existing financial rails. Ripple’s Role in Liquidity Access Responding to the question about whether Ripple could experience a run similar to one faced by a traditional institution, Garlinghouse distinguished what Ripple offers and what it does not. He clarified that Ripple “doesn’t provide liquidity,” but instead “provides technologies that allow you to access liquidity that exists in the marketplace.” Garlinghouse cited data from the broader digital asset market, noting that in a recent 24-hour period, roughly $50 billion worth of liquidity was traded across cryptocurrencies such as XRP, Bitcoin, and Ethereum. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 He questioned what a run on Ripple would even look like, suggesting that the company’s technology operates independently from the speculative volatility that sometimes affects the wider crypto ecosystem. Speed, Security, and Market Confidence Garlinghouse went on to highlight that transactions using XRP can settle in as little as 3 seconds , eliminating the waiting periods and exposure risks described by the Bank CEO. This rapid settlement capability, he said, demonstrates the value of digital asset technology in addressing long-standing inefficiencies in global finance. The exchange underscored the ongoing gap between traditional banking infrastructure and blockchain-driven systems designed for instant payments. Ripple intends to revolutionize traditional cross-border payments using XRP, and this approach will address the problems faced by bank CEOs. 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 advised to conduct thorough 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 X , Facebook , Telegram , and Google News The post Ripple CEO Says XRP Can Fix the Problem This Bank CEO Is Facing appeared first on Times Tabloid .
