Ripple XRP Could Lead Bank Payments in 5 Years

Ripple CEO Brad Garlinghouse believes XRP could become a leading technology for institutional cryptocurrency payments within the next five years. Speaking during Ripple Swell 2026 in New York, Garlinghouse outlined a future in which banks and financial institutions increasingly use blockchain networks to transfer money and manage assets. His comments arrive as Ripple expands beyond cross-border payments into custody, corporate treasury management, and institutional trading. While the company is developing several financial products, Garlinghouse emphasized that XRP remains central to its long-term plans.