Ripple is advancing its cryptocurrency XRP and stablecoin RLUSD to transform cross-border payments, akin to WhatsApp's impact on SMS. Reece Merrick, Ripple's Senior Executive Officer for the Middle East and Africa, highlighted on November 30 that blockchain technology could significantly reduce payment costs, similar to how data-driven messaging services like WhatsApp overtook traditional SMS, which once generated over $100 billion annually. Merrick underscored the potential for cryptocurrencies to achieve widespread adoption and cost efficiency, with RLUSD poised to play a pivotal role in global settlement modernization.