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Ripple's bold new banking strategy

At the end of August 2024, Ripple released a comprehensive new banking strategy: a whitepaper detailing partnerships with smaller banks. The plan aims to enhance payment efficiency and lower costs through Ripple’s advanced technology.

Key aspects of the strategy include:

  • Faster Transactions: Ripple’s real-time gross settlement system (RTGS) and blockchain technology promise to expedite payments
  • Cost Reduction: By removing intermediaries, Ripple seeks to cut down on fees and costs for businesses
  • Custom Solutions: Ripple’s x Rapid and x Current products will offer tailored solutions for small banks.
  • On-Demand Liquidity (ODL): XRP will be utilized to facilitate real-time cross-border payments, increasing liquidity and speed.

This new approach aims to level the playing field for small banks against larger competitors. Ripple has already begun implementing these strategies by partnering with banks in Southeast Asia and the Middle East.