Garlinghouse’s emphasis on bridging fragmented financial networks with XRP addresses one of the most persistent inefficiencies in global payments today.

Given Ripple’s growing footprint in regions with evolving regulatory frameworks, their approach to fostering local partnerships is not only strategic but essential for sustainable adoption.

While SWIFT’s limitations are well-documented, the true test will be how quickly and seamlessly XRP’s On-Demand Liquidity can integrate with existing institutional infrastructures at scale.

If these new partnerships materialize as hinted, Ripple could indeed shift the cross-border settlement paradigm significantly.