Ripple CEO Confirms XRP Can Enable Instant Daily and Hourly Payouts

The calls to a monthly paychecks to immediate compensation in the form of XRP have been made by Ripple CEO Brad Garlinghouse. Talking as a speaker at a panel at Rowen Exchange, he claimed that there is too much unnecessary friction caused by traditional salary cycles. Why wait till you get monthly paychecks? Friction is payment which slows us down. Under XRP, payment might be daily, hourly, even by the second, said Garlinghouse. The remarks resemble the long-term objective of Ripple in enhancing the movement of money around the world.

XRP Handles Payments within Seconds

According to xrpl.org, transactions on the XRP Ledger (XRPL) are verified in three to five seconds. This is a speed that is superior to that of Bitcoin with a 10-minute settlement and Ethereum with random processing times. The average XRP price is only 0.00001 XRP, or less than the fraction of a cent at the present price, 0.40. XRPL has a base capacity of 1, 500 transactions per second, which is equivalent to over 8.6 million transactions in a day. This is the technical capacity that backs up the arguments of Garlinghouse about the second-by-second payouts.

The On-Demand Liquidity (ODL) by Ripple has already demonstrated a real-life following. According to Bitget News, ODL would process $1 billion of transactions in 2025 alone. According to Ripple, there are 1,000 institutions on its ODL in 50-plus countries and reduces the day-long settlement periods to seconds. These involve remittance providers transferring millions of inter-country flows, instead of using expensive correspondent banking pathways. Ripple has over 50 billion of volume on its network since 2012.

Hourly and Daily Wages are Made possible

The remarks of Garlinghouse go further than cross-border transfers. He indicated hourly and daily wage payouts as a natural development. According to the World Bank, 2.5 billion adults in the world are not banked. Instant digital wages would help more people, as it would alleviate cash crunches and expand access to finances. Ripple says that employers can compensate employees on a shift basis or on a task basis. This would decrease the use of payday loans and alleviate the cash flow issues of workers.

The low fees charged by XRP also make micro-transactions possible. As an example, an electric car might charge by the second, and it would not require intermediaries. Such a situation is technically feasible because of the structure of the XRPL, but the widespread implementation is subject to the will of employers and regulators.

The Market Position of XRP gets stronger

According to TradingView, XRP is trading at approximately $0.40 and has a market cap of 22 billion as of September 2025. It is the 6th-largest cryptocurrency in the world. It was clarified by the end of the U.S. Securities and Exchange Commission suit in July 2023. A federal court affirmed that XRP is not a security when it is sold to retailers. This judicial decision eliminated one of the most significant adoption obstacles by U.S. institutions. The payment providers, remittance companies, and banks have become part of the groups of clients served by Ripple.

The sources in the industry verify the settlement rates, minimal charges, and adoptions of XRP. FXStreet and Investopedia was a report on the SEC case result. All these sources confirm the statement of Garlinghouse that XRP has the potential to enable instant, global paydays. The technology is prepared whether in transfers between the borders or hourly pay. The problem is now the employers and regulators.