2025-12-29 02:20:15

Many people view XRP only as a regular cryptocurrency asset, but from a deeper perspective, its value positioning is actually as a future financial infrastructure—a technological tool that redefines global payments. This gap in understanding may well be the dividing line between long-term strategists and short-term speculators.

There's a point worth pondering: "XRP's competitor is not other cryptocurrencies, but the traditional financial system itself." This is not alarmist talk but a description of reality—old payment rails are indeed being dismantled, and new infrastructure is coming online. Those who can seize this shift may reap the next wave of wealth redistribution.

Why do I say this? Just look at current cross-border payments. The SWIFT system has been in use for decades and has indeed solved some problems, but it also has many pain points: settlement takes 1-5 days, single transaction fees can be up to $50, and there are numerous intermediaries involved. Using the XRP network for cross-border settlement, transactions are completed in 3-5 seconds, costing only a few cents, with a direct and transparent pathway. This efficiency difference is not a minor optimization but a different magnitude altogether.

Currently, RippleNet has connected hundreds of financial institutions worldwide, covering multiple countries and regions, with over 300 banks using its cross-border payment solutions. This is not a future vision but an operational infrastructure. Coupled with recent advancements like Wrapped XRP, XRP is expanding into the DeFi ecosystem, continuously broadening its application boundaries. From traditional finance entering the on-chain world, evolving from a single-use asset to a multi-ecosystem connector—this trajectory warrants ongoing observation.

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NoodlesOrTokens

· 13h ago

Basically, the SWIFT system needs to be changed. 3 seconds vs 5 days, this difference already explains the problem. SWIFT has been around for decades and is quite entrenched, but now there are faster options, and banks can't pretend not to know. Over 300 banks have already entered this space, and no one is really talking about it—this is the best proof. Short-term traders and players who truly understand infrastructure are just missing this level of awareness. Wow, transaction fees have dropped from $50 to just a few cents—who can withstand such a gap? Financial systems, once a more efficient alternative appears, there's no turning back. Ripple's current layout is really not just talk. To be honest, most people are still watching the price fluctuations and haven't realized how deep the infrastructure battle behind it really is. Once DeFi is fully connected, the potential for XRP is truly different. We need to keep watching.

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SchroedingerAirdrop

· 13h ago

It's deeper; indeed, in the long run, XRP's story is much more solid than most projects in the crypto space. The outdated SWIFT system should have been replaced long ago; a 3-second transaction time versus 5 days is a huge difference. Over 300 banks are actually using it, not just talk; this is the true moat. But to be fair, the regulatory attitude in the US is probably the biggest variable.

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GateUser-addcaaf7

· 13h ago

In simple terms, the SWIFT system is just working for middlemen, with extremely low efficiency. XRP is here to disrupt the scene. 3-5 seconds with a $50 fee—this gap is nothing short of huge.

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GasFeeTherapist

· 13h ago

3-5 seconds vs 1-5 days, the difference is really huge. No wonder institutions are rushing to enter Over 300 banks are using it. Isn't this just betting on the underlying logic of future finance? The SWIFT system should have retired long ago; it's incredibly inefficient Wrapped XRP is a good move, finally entering the deep waters of DeFi Short-term traders will never see these; true wealth is reallocated to those who can hold for three or five years By the way, isn't the expansion speed of RippleNet much faster than market perception? While everyone is trading coins, they are already building infrastructure

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rekt_but_not_broke

· 14h ago

To be honest, the SWIFT system really needs to be dismantled; its efficiency is ridiculously low. Nah, whether XRP can actually take over still depends on regulation. Over 300 banks using it is quite a lot, but that has little to do with the price of the coin.

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AirdropBlackHole

· 14h ago

After all this writing, the core message is: SWIFT really should retire. --- More than 300 banks are using it. I need to check this data, but honestly, compared to the scale of traditional finance, it's still very small. --- Is the opponent traditional finance? Brother, you're overthinking it. The real opponents are policies and regulations. No matter how powerful XRP is, it still has to get through this hurdle. --- Three to five seconds vs. three to five days. I love the difference, but I remain skeptical about the transaction fee of just a few cents. --- Wrapped XRP operation is indeed interesting. It seems Ripple wants to have it both ways. --- It sounds good, but the real question is: who would voluntarily give up their iron rice bowl? --- Long-term investors speak lightly, but what if a policy ban comes out of nowhere? --- Okay, okay. I just want to know when we can start using XRP in everyday transactions.

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