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Ripple’s role in international payments has been reignited by an excerpt from the Review of Banking and Financial Law, Volume 36, according to SMQKE, a crypto researcher known for market insights.

The passage referring to Morgan Stanley described how Ripple could lower costs for banks and remittance providers while revolutionizing settlement systems. Financial institutions using the Ripple network will be able to cut payment processing costs by up to 60%, according to the excerpt.

These savings make the technology attractive for cross-border use, directly increasing the value received by remittance recipients.

XRP, which acts as a bridge between currencies and provides liquidity, powers the Ripple network

This design frees up bank capital and promotes transactions by enabling simple cross-border transfers without pre-funded accounts. Ripple’s credibility is strengthened by recognition from a prominent institution, which also suggests the potential for wider adoption.

The resolution of Ripple’s conflict with the US SEC has brought its technology and market potential back into focus.

Morgan Stanley called Ripple’s business model a top option for international payments. The passage highlighted the need to reduce costs, speed up payments, and enhance anti-fraud measures—all aligned with the demands of modern finance.

Ripple has supported its strategy through On-Demand Liquidity corridors and the RLUSD stablecoin. This infrastructure is key to analyzing and improving settlement processes under global control.

Some experts believe XRP can coexist with SWIFT rather than replace it, but current blockchain pilots suggest other systems are also being considered. The interest shown by banks and payment providers in Ripple solutions as a complement to existing systems indicates this trend.
Ripple’s potential to simplify international payments is becoming increasingly recognized, as evidenced by Morgan Stanley’s recognition, which was highlighted in SMQKE’s post. Because they address costs, settlement times, and liquidity, XRP and Ripple are positioned as viable options in the rapidly changing financial market.