Ripple’s technology could become increasingly influential in global payments if it enables financial institutions to process high-value cross-border transactions at much lower fees than traditional methods. Financial analyst Steph Is Crypto recently outlined a bullish perspective on how Ripple, RLUSD stablecoin, XRP, and the ISO 20022 messaging standard may collaborate to reshape the digital asset landscape. According to Steph, Ripple’s shift toward banking services could mark a pivotal development in the company’s trajectory.