Union

Core

Stellar

In a recent post, crypto analyst SMQKE emphasized that the most significant financial opportunity in global payments does not lie in consumer remittances, but in cross-border, business-to-business transactions.
The message reinforces a long-standing view within institutional finance: the largest volumes and revenues are generated at the bank and corporate level, not through small retail transfers.
According to the analysis, this reality explains the continued relevance of infrastructure-focused firms such as <a href="https://timestabloid.com/ripple-xrp-and-stellar-xlm-exposed-this-is-what-they-are-hiding-from-you/" rel="noopener noreferrer nofollow">Ripple and Stellar,</a> which are positioned to serve institutional payment flows rather than consumer-facing use cases.
The post challenges the assumption that legacy money transfer companies are on the verge of being replaced. Instead, it suggests that established firms such as Western Union are more likely to adapt by integrating new technologies over time.
The transformation underway is not centered on the immediate removal of intermediaries, but on upgrading the core systems that support large-scale transfers between financial institutions.
<blockquote class="twitter-tweet">
 Don’t forget: “The BIG MONEY is in cross border payments —&gt; that’s why we have Ripple and Stellar.”
 Watch.<img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f636-200d-1f32b-fe0f.png" alt="😶‍🌫️" class="wp-smiley"><img src="https://s.w.org/images/core/emoji/17.0.2/72x72/1f447.png" alt="👇" class="wp-smiley"> <a href="https://t.co/WMHQKCRh81" rel="noopener noreferrer nofollow">https://t.co/WMHQKCRh81</a> <a href="https://t.co/SDc3m1RFqj" rel="noopener noreferrer nofollow">pic.twitter.com/SDc3m1RFqj</a>
 — SMQKE (@SMQKEDQG) <a href="https://twitter.com/SMQKEDQG/status/2000202527782924325?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">December 14, 2025</a>
</blockquote>

<h2 id="strong-business-to-business-payments-as-the-core-opportunity-strong">Business-to-Business Payments as the Core Opportunity</h2>
The attached video expands on this idea by explaining that the most expensive and inefficient part of the global payment system exists in cross-border business payments. These transactions occur at scale, involve high volumes, and are typically handled through correspondent banking arrangements.
While the basic structure of these systems remains intact, the speed and efficiency of settlement can be improved through distributed ledger technologies that allow data to move faster than funds traditionally do.
From this perspective, the focus of networks like Ripple and Stellar is not on individual consumers sending money to family members abroad, but on enabling banks to transact with one another more efficiently. The emphasis is on backend infrastructure that supports institutional activity, where even small efficiency gains can translate into substantial cost reductions.
<h2 id="strong-permissioned-networks-and-institutional-design-strong">Permissioned Networks and Institutional Design</h2>
The speaker in the video also outlines a key distinction between open blockchain systems and those <a href="https://timestabloid.com/ripple-ceo-why-global-institutions-will-adopt-xrp/" rel="noopener noreferrer nofollow">designed for institutional use</a>. Open, permissionless networks enable anyone to participate without approval, which supports accessibility. In contrast, many systems intended for enterprise payments operate on a permissioned basis, where participants are known entities and membership is restricted.
<blockquote class="twitter-tweet">
 We are on X, follow us to connect with us :- <a href="https://twitter.com/TimesTabloid1?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">@TimesTabloid1</a>
 — TimesTabloid (@TimesTabloid1) <a href="https://twitter.com/TimesTabloid1/status/1934162718258499855?ref_src=twsrc%5Etfw" rel="noopener noreferrer nofollow">June 15, 2025</a>
</blockquote>

This structure aligns with regulatory and compliance requirements faced by banks. In such networks, participating institutions maintain direct relationships with one another and transact through shared ledgers that facilitate faster settlement while preserving established governance standards.
The process remains bank-centric, with distributed ledger technology, like the <a href="https://timestabloid.com/this-study-from-ulster-university-notes-the-speed-of-a-ripple-xrp-private-ledger/" rel="noopener noreferrer nofollow">XRPL</a>, acting as an efficiency layer rather than a replacement for the financial system.
<h2 id="strong-effect-on-the-payment-landscape-strong">Effect on the Payment Landscape</h2>
SMQKE’s post ultimately underscores that the largest financial opportunities in digital payments are tied to <a href="https://timestabloid.com/ripple-ceo-states-major-path-to-more-institutional-adoption-on-xrp-ledger/" rel="noopener noreferrer nofollow">institutional adoption</a> rather than consumer speculation. By targeting cross-border, high-volume transactions, companies focused on payment infrastructure are addressing a segment of the market where inefficiencies are most costly.
The analysis positions Ripple and Stellar as examples of platforms designed to operate within this reality, emphasizing that the future of payments innovation is being shaped behind the scenes, at the level where banks move money with other banks across borders.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
Follow us on <a href="https://x.com/TimesTabloid1" rel="noopener noreferrer nofollow">X</a>, <a href="https://www.facebook.com/timestabloid/" rel="noopener noreferrer nofollow">Facebook</a>, <a href="https://t.me/markettabloid" rel="noopener noreferrer nofollow">Telegram</a>, and &nbsp;<a href="https://news.google.com/publications/CAAqLAgKIiZDQklTRmdnTWFoSUtFSFJwYldWemRHRmliRzlwWkM1amIyMG9BQVAB?hl=en-US&amp;gl=US&amp;ceid=US%3Aen" rel="noopener noreferrer nofollow">Google News</a>
The post <a href="https://timestabloid.com/researcher-this-is-why-ripple-xrp-and-stellar-xlm-are-important/" rel="noopener noreferrer nofollow">Researcher: This Is Why Ripple (XRP) and Stellar (XLM) Are Important</a> appeared first on <a href="https://timestabloid.com" rel="noopener noreferrer nofollow">Times Tabloid</a>.

Researcher: This Is Why Ripple (XRP) and Stellar (XLM) Are Important

Table of Contents

Times Tabloid

Other articles published on Dec 16, 2025

PayPal’s Bold Move: A New Bank for Small Business Loans Could Transform Financing

Visa launches USDC settlement for US banks on Solana blockchain

Ronin and ZKsync’s onchain metrics fell the most in 2025

VECTOR Goes Live as Cardano’s Institutional Expansion Chain

Kaspa Price Action at $0.0435 Suggests Possible Downward Pressure

PayPal Applies for Utah Industrial Bank License

Join our free newsletter for daily crypto updates!