A 2018 interview featuring Ripple CEO Brad Garlinghouse has resurfaced, highlighting his bold claim that Ripple was poised to take over SWIFT, the global financial messaging service. At the time, Ripple was positioning itself as a faster, cost-effective alternative, having already partnered with over 100 banks. Garlinghouse cited a remittance company that reduced transaction costs from $20 to $2 using Ripple's technology, resulting in an 800% usage increase. Since then, Ripple has made significant strides, overcoming regulatory challenges and expanding its global footprint. The company has formed partnerships with numerous financial institutions and enhanced its offerings through strategic acquisitions. Ripple's On-Demand Liquidity (ODL) service, leveraging XRP as a bridge currency, continues to offer faster and cheaper transactions compared to SWIFT's traditional methods. Recently, Ripple achieved a milestone by gaining conditional approval for a national bank charter, moving closer to its goal of transforming global payment systems.