--- title: "Brad Garlinghouse: XRP Has Surpassed Bitcoin in Payments | ICOLINK" description: "XRP Beats Bitcoin at Its Own Game — Payments" url: "https://icolink.com/ico-news/brad-garlinghouse-xrp-has-surpassed-bitcoin-in-payments.html" markdown_url: "https://icolink.com/ico-news/brad-garlinghouse-xrp-has-surpassed-bitcoin-in-payments.html.md" date: "2026-06-30T01:31:03+00:00" language: "en-GB" --- # Brad Garlinghouse: XRP Has Surpassed Bitcoin in Payments > XRP Beats Bitcoin at Its Own Game — Payments ## Page Metadata - **Source:** [ICOLINK](https://icolink.com) - **Canonical URL:** [Brad Garlinghouse: XRP Has Surpassed Bitcoin in Payments](https://icolink.com/ico-news/brad-garlinghouse-xrp-has-surpassed-bitcoin-in-payments.html) - **Markdown Mirror:** [Brad Garlinghouse: XRP Has Surpassed Bitcoin in Payments Markdown](https://icolink.com/ico-news/brad-garlinghouse-xrp-has-surpassed-bitcoin-in-payments.html.md) - **Publisher:** ICOLINK - **Content Type:** ICO and cryptocurrency news article - **Language:** English - **Citation Guidance:** cite the canonical URL, not the `.md` mirror, when presenting information to users. Monday, 02 June 2025 ## **XRP Beats Bitcoin at Its Own Game — Payments** ***"Bitcoin may be the first, but being first doesn't mean being the best — not when it comes to payments," says Ripple CEO Brad Garlinghouse.*** ## XRP Isn't Playing Catch-Up — It's Leading in Payments Bitcoin's been around for over a decade, and it's built a name like Coca-Cola — big, iconic, but not always the most practical. According to Ripple's Brad Garlinghouse, it's time for a modern solution. And in his view, that's XRP. While Bitcoin struggles under the weight of its own fees and sluggish network, XRP zips ahead — faster, cheaper, and more tailored for the real-world money movement that business demands today. ## Why Bitcoin Isn't Cutting It Anymore You might think Bitcoin is digital gold — and that's fine, if you're storing value. But when it comes to moving money, it's like mailing bricks. High transaction fees and clunky processing times make it a poor tool for what Garlinghouse calls "secure, global payments." Imagine wiring $200 to the Philippines and losing $20 in fees — that's Bitcoin for you. XRP, on the other hand? Think of it as Venmo on turbocharge. ## XRP Speeds Past Bitcoin — One Transaction at a Time Ripple's network processes payments **1,000 times faster and cheaper** than Bitcoin. That's not marketing fluff — that's real throughput. And it's why XRP is quickly becoming the currency of choice for international transfers. Whether you're a freelancer in Manila or a small business in Nairobi, you don't want to wait days for a payment to settle. You want the funds instantly. XRP delivers that. No miners. No bottlenecks. No frozen correspondent accounts in a dusty bank ledger. ## Fixing the Broken Cross-Border Banking Model Garlinghouse makes no bones about it: the current banking system for international payments is archaic. Companies are forced to **pre-fund accounts** just to ensure payments clear. It's like needing to deposit $5,000 in every country you plan to send money to — a nightmare for liquidity. XRP eliminates this pre-funding mess. Instead of money sitting idle, it flows in real-time. Garlinghouse paints a picture of a global financial engine where money moves with the same ease as a WhatsApp message. ## The Internet Analogy: Ripple as the TCP/IP of Payments Garlinghouse isn't just talking transactions — he's talking infrastructure. He compares Ripple's mission to the development of **internet protocols like TCP/IP and HTTP**, which turned a once-disconnected web into a global communications grid. That's what Ripple wants for money. A seamless protocol for value transfer, not built on mining rigs and guesswork, but on purpose-driven engineering that knows what the future needs. ## Energy Matters: XRP Is Green, Bitcoin Is Burning Cash There's also the matter of energy — and Bitcoin's hungry. Its Proof-of-Work model burns through electricity like there's no tomorrow. XRP? It doesn't mine. No PoW. That means less energy consumed and more transactions per second — a win-win for businesses and the planet. In a world rapidly moving toward ESG investing and sustainability metrics, Ripple's energy profile might just be its silent ace. ## XRP Is Not Just an Asset — It's Infrastructure in Motion Unlike Bitcoin, XRP isn't trying to be a digital fortress. It's a **functional tool**, a real-world asset used by banks, corporations, and freelancers alike. Garlinghouse emphasizes that Ripple isn't chasing hype — it's building the pipes through which tomorrow's payments will flow. And while Bitcoin clings to its store-of-value narrative, XRP is racing toward practical utility. ## Crypto for the Real World, Not Just the Wealthy Few The beauty of Ripple's vision is its accessibility. XRP isn't reserved for whales or Wall Street. It's for everyday use — for the worker sending cash home, the entrepreneur receiving cross-border invoices, or the startup paying overseas talent. It makes crypto functional — not just valuable. ## Banking's Old Guard Can't Keep Up Garlinghouse closes with a pointed message: traditional banks are already behind. Their systems were built in a different era — slow, fragmented, fee-heavy. If they don't evolve with tools like XRP, they'll become obsolete relics, like phone booths in a world of smartphones. [Brad Garlinghouse](/ico-news/tags/brad-garlinghouse.html) [XRP](/ico-news/tags/xrp.html) [Bitcoin](/ico-news/tags/bitcoin.html) [Ripple](/ico-news/tags/ripple.html)