Coinpaper 2026-02-12 14:39:47

Ripple and Stellar are Supercharging DLT Application in Correspondent Banking Infrastructures

Ripple and Stellar Lead the Charge in Transforming Cross-Border Payments Top crypto researcher SMQKE notes that only Ripple (XRP) and Stellar (XLM) are effectively offering DLT to correspondent banking infrastructures, positioning them to transform the more than $100 trillion cross-border payments industry. Cross-border payments, long slowed by multiple intermediaries, high fees, and delayed settlements, are being transformed by Ripple and Stellar. According to SMQKE, their DLT-powered solutions, XRP and XLM, serve as efficient bridges, cutting costs, accelerating transfers, and enhancing transparency in international transactions. Ripple’s global network of bank and financial institution partnerships leverages the XRP Ledger to deliver near-instant settlements and liquidity solutions, bypassing traditional correspondent banking delays. By integrating XRP into cross-border payments, Ripple reduces pre-funded accounts and boosts efficiency, transforming a market worth over $100 trillion. From Correspondent Banks to Remittances: Ripple and Stellar’s Playbooks for Cross-Border Efficiency Stellar champions financial inclusion by connecting institutions to underbanked populations. Its blockchain enables faster, cheaper, and transparent cross-border payments, facilitating direct currency transfers without heavy reliance on intermediaries, ideal for remittances and emerging market transactions. While both XRP and XLM target cross-border payments, their approaches differ. Ripple excels through deep integration with traditional banks and major corporate partnerships, while Stellar offers a lightweight, flexible network serving smaller institutions and underserved communities. Together, they showcase how distributed ledger technology can transform payments for both institutions and individuals. By prioritizing speed, cost-efficiency, and transparency, XRP and XLM are not just cryptocurrencies, they are practical solutions poised to capture a significant share of the trillion-dollar global payments market and redefine the future of international finance. Conclusion In today’s fast-paced, cost-conscious, and transparent financial world, Ripple and Stellar are redefining cross-border payments. Leveraging distributed ledger technology, XRP and XLM go beyond cryptocurrencies, they offer real solutions to inefficiencies in global banking. With the $100 trillion cross-border payments market ripe for disruption, these platforms are poised to capture market share, drive innovation, and transform international money transfers. Therefore, Ripple and Stellar are proving to be gateways to a faster, smarter, and more inclusive global financial system.

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