Why does cross-border transfer still take 3 days and cost 50 yuan in fees? The problem has long ceased to be with the banks themselves; it’s that the entire financial infrastructure is outdated. What XRP aims to do is break this old-fashioned game rule and make money flow as quickly as information does.

In terms of speed, it’s indeed a bit exaggerated—settling cross-border transactions in 3 seconds, more than 100 times faster than SWIFT. As for costs, it’s been cut from dozens of yuan to just a few cents, which means small businesses that previously couldn’t afford cross-border fees now have a chance. There’s also a detail that’s easily overlooked: its carbon emissions are only 0.007% of Bitcoin’s, making it almost carbon-neutral.

Compliance, to put it simply, is something XRP has been working on all along. The settlement with the US SEC completely changed the game—confirming that it is not a security, and this identity is crucial. Japan’s SBI Group processes $4 billion worth of XRP settlements daily, the central banks of the UK and UAE have included it in their pilot payment systems, and over 300 financial institutions worldwide have connected to RippleNet. These aren’t just empty numbers.

What’s truly worth paying attention to is XRP’s role in solving real-world problems. Workers use it to send money home in seconds, saving on expensive fees. Small and medium foreign trade companies use it for settlements, no longer waiting for slow bank processes. Central banks are also using it when experimenting with cross-border digital currency flows. Technology has shifted from a geek’s toy to a practical tool for eliminating transaction friction.

Participating in this upgrade of financial infrastructure is essentially not just buying a coin, but voting for a more open, efficient, and inclusive global financial system. (Based on open collaboration data and technical white papers, market risks exist, and decisions should be made independently.)