Crypto researcher SMQKE has shared a post highlighting what he believes is the most significant opportunity for XRP and XLM. Rather than focusing on consumer remittances, the post points to t
Crypto researcher SMQKE has shared a post highlighting what he believes is the most significant opportunity for XRP and XLM.
Rather than focusing on consumer remittances, the post points to the much larger market of institutional cross-border payments, where banks and financial institutions move large sums of money across different countries every day.
SMQKE tweeted, “XRP and XLM will target the BIG money,” before adding that “The BIG MONEY is in cross-border payments —> that’s why we have Ripple and Stellar.” He concluded the message by stating, “XRP + XLM = Big Money. Watch.”
To support the claim, SMQKE attached a video explaining why Ripple and Stellar were designed to address large-scale business payment needs instead of replacing traditional money transfer companies that serve retail customers.
XRP and XLM will target the BIG money. https://t.co/XUwW8dmR0q
— SMQKE (@SMQKEDQG) July 25, 2026
The speaker in the attached video begins by stating that companies such as Western Union are unlikely to disappear because of blockchain technology. Instead, they are expected to adopt newer technologies over time while continuing to serve their markets.
The speaker further explains that the larger financial opportunity does not lie in individual remittance payments but in business-to-business transactions conducted across international borders. According to the explanation, these high-volume payments remain expensive under existing financial infrastructure, creating an opportunity for blockchain-based payment networks.
Ripple and Stellar are presented as platforms built to address this segment of the market. The speaker explains that these networks focus on backend transactions between financial institutions rather than direct consumer payments. Instead of emphasizing people sending money to family members overseas, the discussion centers on banks transferring funds to other banks through more efficient settlement systems.
The video also notes that while correspondent banking continues to play an important role, modern payment systems require transaction data to move faster than funds themselves. The speaker says distributed ledger technology allows settlements to occur more quickly, improving efficiency for participating institutions.
We are on X, follow us to connect with us :- @TimesTabloid1
— TimesTabloid (@TimesTabloid1) June 15, 2025
Another point raised in the video is the distinction between Bitcoin and Ripple’s network architecture. The speaker explains that Bitcoin operates as an open, permissionless distributed ledger where anyone can participate without requiring approval from a central authority.
By contrast, Ripple is described as a permissioned network designed for approved participants. According to the explanation, financial institutions join the network as members, with participating banks recognizing and interacting with one another through known validator nodes.
The speaker illustrates this with an example of an international payment. Rather than an individual sending money directly over an open network, both the sender and recipient would work through banks that belong to the Ripple network. Those institutions would then complete the transaction using the distributed ledger, allowing settlement to occur within a controlled network designed for financial organizations.
Through the attached video, SMQKE reinforces his view that XRP and XLM are positioned to benefit from institutional demand for faster and more efficient cross-border payments.
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 X, Facebook, Telegram, and Google News
The post XRP and XLM Will Target the BIG Money. Here’s the Proof appeared first on Times Tabloid.
