Ripple’s role in global payments could become more significant if its technology enables financial institutions to process large cross-border transactions at substantially lower costs. Financ
Ripple’s role in global payments could become more significant if its technology enables financial institutions to process large cross-border transactions at substantially lower costs.
Financial expert Steph Is Crypto has offered a bullish view of how Ripple, RLUSD, XRP, and the ISO 20022 messaging standard could work together, while also identifying Ripple’s potential transition into banking as a key point in the company’s development.
In the video attached to Steph’s tweet, a speaker said that Ripple’s ability to hold stablecoins as reserves in a government treasury could directly connect Ripple and RLUSD to government-related stablecoin activity. According to the speaker, that development could increase liquidity within the ecosystem.
The speaker linked higher liquidity to improved performance for XRP, followed by increased demand and potentially higher XRP prices. He suggested that the current market could eventually take XRP toward the $10 and $12 level during a bull market. Still, he said he sees a different stage developing once XRP enters what he described as the “utility phase.”
He identified Ripple’s potential transition into a bank as the beginning of that phase. The speaker said regulatory approval of Ripple becoming a bank could significantly change how financial institutions use the company’s technology and XRP.
Ripple’s master plan: ISO 20022 + $XRP could settle $1,000,000,000+ transactions for under $10. pic.twitter.com/bBYvJm7SRG
— STEPH IS CRYPTO (@Steph_iscrypto) August 15, 2026
The speaker focused heavily on XRP’s potential use as a settlement asset for financial institutions and other entities. He said XRP could allow transactions to settle quickly and at a lower cost, particularly for large cross-border payments.
He also connected this process with ISO 20022, which he described as a new standard of financial messaging that could allow Ripple’s technology to operate alongside government systems without relying on SWIFT for the entire settlement process.
According to the speaker, the potential cost difference represents one of the strongest reasons institutions could consider Ripple’s infrastructure. He gave a hypothetical example in which a $1 million transaction could cost around $1,000 through traditional banking and SWIFT-related systems, while a comparable transaction using Ripple’s technology could cost less than $10 before Ripple applies its own fees.
The speaker stressed that these figures were examples rather than actual quoted costs. He suggested that even if Ripple charged additional fees, customers could still potentially pay substantially less than they would through traditional systems.
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The speaker also highlighted speed, lower costs, and fewer failed cross-border payments as potential benefits. He said Ripple could generate significant margins while providing cheaper services, creating an incentive for other financial institutions to examine the technology.
Steph Is Crypto’s post summarized this thesis by linking ISO 20022, XRP, and large-value settlement transactions. The central argument is that greater institutional use of Ripple’s infrastructure could create more practical demand for XRP.
The speaker concluded that Ripple’s potential banking status could represent an important transition from speculation around XRP toward greater emphasis on its use within financial infrastructure.
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.
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