The post Ripple CTO Claims XRP Will Complement Bitcoin and Modernize Global Payments appeared on BitcoinEthereumNews.com.

TLDR: XRP Ledger enables automated liquidity routing, increasing usage without direct user involvement. Ripple CTO says XRP functions as a neutral, jurisdiction-free settlement asset globally. The asset supports tokenized investments, on-chain lending, and instant cross-border payments. XRP Ledger introduced issued assets and a native decentralized exchange before competitors. The chief technology officer of Ripple, Joel Katz, stated that Bitcoin cannot carry the global financial system alone. XRP was designed to function as a complementary network capable of handling liquidity, cross-border payments, and settlement.  Katz emphasized that the blockchain space will require multiple networks to succeed collectively. XRP’s architecture, he explained, positions it to fill gaps Bitcoin and other blockchains cannot address. XRP’s Unique Blockchain Architecture and Purpose XRP Ledger was developed independently and does not rely on proof-of-work. According to Katz, it introduced issued assets and a native decentralized exchange before most networks.  The ledger integrates a curated set of financial primitives for settlement and liquidity management. Every new stablecoin or tokenized asset built on XRP increases its usage automatically. Ripple CTO highlighted that XRP functions as a neutral bridge asset. Transactions routed through the network utilize the token fees without requiring a counterparty.  Institutions can leverage XRP’s automated routing for cross-border transfers and liquidity pools. The blockchain’s design allows it to support various financial operations without user awareness. Katz also noted that early Bitcoin-focused tribalism slowed blockchain adoption. XRP’s integration with banks and financial institutions demonstrates broader acceptance.  Institutions increasingly view the asset as complementary, rather than competitive, to Bitcoin. The ledger’s unique setup allows simultaneous adoption alongside Ethereum and Solana networks. BREAKING: Ripple CTO Says “Bitcoin Can’t Win Alone — XRP Was Built to Replace the Global Finance in Next Couple of Years” @JoelKatz, Ripple’s CTO, sat down with @EleanorTerrett and @Matt_Hougan, and honestly… this might be one…

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Filed under: News - @ November 21, 2025 11:32 am