Ripple CEO Tells Banker: For XRP, a Settlement Happens in 3 Seconds

Crypto proponent Amelie posted a tweet drawing attention to a conversation between a banker and Ripple’s chief executive officer, Brad Garlinghouse. In the video captioned in the tweet, the banker recounts his experience during a fellowship at the Bank of England.

He explained that he had to pay his rent in advance and that transferring money from the Bank of England to Centendaire UK came with a $10 fee and took 24 hours to complete. He emphasized that the payment was uninsured during this period, noting the potential significance of the fee in lower-income contexts.

While acknowledging that some observers might overstate the severity of such issues, he nonetheless told them what needs urgent attention. The banker then directed a question to Garlinghouse about Ripple’s role in distributing liquidity.

He asked whether Ripple’s involvement in facilitating liquidity for payments might make it vulnerable to a run, where participants demand liquidity. However, none are willing to provide it due to a loss of confidence in the system.

WOW! Banker: „My transaction costs $10 and took me 24 hours to transfer the money.

“ Ripple CEO Brad Garlinghouse: „For XRP, a settlement happens in 3 seconds! “ #XRP WILL REVOLUTIONIZE THE ENTIRE BANKING SYSTEM!

pic. twitter.

com/PufpC9u2Ae — 𝓐𝓶𝓮𝓵𝓲𝓮 (@_Crypto_Barbie) September 14, 2025 Garlinghouse’s Clarification on Ripple’s Role In his response, Brad Garlinghouse clarified that Ripple does not directly provide liquidity but instead offers technologies that allow access to liquidity already available in the marketplace. He referenced the size of the digital asset markets, pointing out that around $50 billion in liquidity had been traded in 24 hours across multiple digital assets, including XRP, Bitcoin , and Ether.

By noting this figure, he emphasized the depth of liquidity that exists beyond any single platform. Garlinghouse also addressed the banker’s question by distinguishing between Ripple itself and the broader digital asset market.

He suggested that the notion of a “run on Ripple” was not clearly defined, as Ripple’s business model is based on providing technology rather than acting as a liquidity source. He acknowledged that a run on digital assets more generally was a different matter, though the scale of daily trading activity showed active liquidity movement.

We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Importantly, Garlinghouse highlighted the transaction performance of XRP by stating, “For XRP, a settlement happens in three seconds. ” This remark stood in contrast to the banker’s earlier example of a 24-hour settlement window, illustrating the efficiency that digital assets could introduce into payment systems.

Implications for Payment Systems Amelie’s tweet explains the juxtaposition between traditional banking processes and the faster settlement speed of digital assets . The visual conversation showed the banker describing the practical frictions of a conventional transfer, while Garlinghouse highlighted the scale of liquidity in crypto markets and the efficiency of XRP transactions.

The post concluded with Amelie’s strong statement about XRP’s potential to transform the banking system , focusing on settlement speed and technological advancement as central points of comparison. Disclaimer : This content is meant to inform and should not be considered financial advice.

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