Global payments infrastructure faces growing criticism as financial experts highlight its inefficiencies. According to crypto analyst All Things XRP, the current system remains outdated due to slow settlement times, high transaction fees, and liquidity constraints.
The traditional cross-border payment process takes several days to complete. Transaction fees typically range between $25 and $35 per transfer, making it expensive for businesses and financial institutions.
Additionally, banks must maintain pre-funded accounts across multiple countries. This requirement ties up capital and limits financial liquidity, leading to inefficiencies that impact global trade and commerce.
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XRP Is More Than Just a Cryptocurrency—It’s a Financial Utility
In a recent tweet on X, All Things XRP urged XRP holders to wake up and understand that XRP is not just another altcoin but a key financial utility. Ripple’s On-Demand Liquidity (ODL) proves that XRP has real-world demand, with banks, fintech firms, and payment providers actively using it to move billions across borders.
The ODL network uses XRP to speed up payments without depending on conventional banking transfer networks. A bank first converts fiat currency, such as U.S. dollars, into XRP, and then, the XRP Ledger moves the digital asset in seconds until it becomes the recipient’s local currency, like Mexican pesos or euros.
🚨⚠️ XRP HOLDERS NEED TO WAKE UP – You’re Thinking About It All Wrong!
XRP isn’t just a crypto—it’s a technology revolutionizing global payments. Ripple’s On-Demand Liquidity (ODL) is the proof.
If you hold XRP, you NEED to see this. 🧵👇
— All Things XRP (@XRP_investing) March 10, 2025
This process eliminates the need for pre-funded accounts, reducing costs while ensuring fast transactions. With this efficiency, ODL positions XRP as a crucial tool for modern financial systems.
Who’s Already Using ODL?
According to All Things XRP, ODL is not just a concept but a live and rapidly expanding solution. Several major financial institutions have already adopted it to streamline their operations.
The remittance service operated by MoneyGram implements ODL to process transactions between U.S. dollar and Mexican peso currencies. The payment corridors of Tranglo integrated the new system to become more liquid and to shorten settlement times.
Traditional banking systems face difficulties and inefficiencies, so both financial institutions and technology companies have chosen ODL as a solution. Adopting the technology by growing institutions will substantially grow XRP’s demand.
XRP’s Role in the Future of Finance
Ripple aims to establish XRP as the global bridge asset for instant liquidity. The expansion of ODL corridors will lead to increased usage of XRP, driving higher demand. As the demand for XRP rises, its role in financial markets becomes more significant. This is not just speculation but an ongoing transformation in the payments industry.
Conclusion
All Things XRP stresses that it is time for XRP holders to rethink their perception of XRP. It is not merely a tradable cryptocurrency but a technology designed to fix inefficiencies in the financial system. XRP is already being used at scale, and its adoption continues to grow. As more financial institutions integrate ODL, XRP’s impact on global finance is becoming increasingly evident.
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