Malaysia's Central Bank has proposed that XRP could potentially replace traditional bank deposits, according to its 2025 report. The report emphasizes XRP's advantages, including speed, scalability, and low transaction costs, which make it a more efficient payment method compared to traditional systems and other cryptocurrencies like Bitcoin and Ethereum. Ripple's global expansion and adherence to financial standards, such as ISO 20022, are highlighted as supporting factors for XRP's potential to transform the financial sector.