Ripple and XRP Move Toward Regulated Global Payments

Ripple says it is expanding its global payments network with XRP, highlighting new progress shared at a Crypto Valley panel in Zurich. Ripple sales director Tania Griffith noted banks are increasingly comfortable using crypto and blockchain for payments. She called stablecoins a “proven and scalable use case”, citing faster settlement, lower costs, 24/7 availability and improved security. Griffith linked the adoption momentum to the EU’s MiCA regulatory framework. She also stressed Ripple’s growing liquidity: the firm has shifted from relying on a few exchanges to building a global network of liquidity providers, stablecoins and financial infrastructure, enabling larger payments and better FX rates. The goal is real 24/7/365 settlement, addressing inefficiencies in traditional cross-border transfers. Ripple’s model treats blockchain and crypto as complementary to fiat rails. It uses an enterprise settlement approach where XRP can act as a bridge for faster settlement across less common currency pairs. The company also referenced its licensed payment solution launched in November 2023, built with enterprise compliance. It additionally uses RLUSD (a stablecoin introduced in 2024) for streamlined cross-border treasury payments. The panel framed this as Ripple’s shift from early crypto technology to a regulated finance business where XRP supports secure, real-time, cost-efficient cross-border transactions.