In the world of cryptocurrency, Bitcoin is undoubtedly the center of attention, representing decentralization, censorship resistance, and the value storage of digital gold. However, when it comes to 'the reshaping and efficiency revolution of the financial system,' XRP may be the true disruptor.
Ripple, the company behind XRP, is committed to addressing a major pain point in the global payment system: the inefficiency and high costs of cross-border payments. Unlike Bitcoin, which can process only 7 transactions per second with an average confirmation time of 10 minutes, XRP can handle about 1,500 transactions per second, with transfers nearly instantaneous and transaction costs only a fraction of a cent, giving it the potential to replace traditional international settlement systems like SWIFT.
Especially in Japan, the application of XRP has already taken shape. Financial giant SBI Holdings is an early investor in Ripple and actively promotes the practical application of XRP in Japan and Southeast Asia through SBI Ripple Asia. According to statistics, over 80% of banks in Japan have partnered with Ripple, adopting its technology for international remittances and settlements. SBI's MoneyTap application has also achieved a 24/7 instant transfer experience, completely breaking the time constraints and high-cost issues of traditional bank transfers.
Even more exciting is that in April 2025, the U.S. Securities and Exchange Commission (SEC) officially approved three exchange-traded funds (ETFs) based on XRP futures, launched by the well-known asset management company ProShares. This is one of the first futures ETFs directly related to cryptocurrency approved in the U.S. market following Bitcoin, symbolizing XRP's formal inclusion in the mainstream financial system. The approval of the ETF not only paves the way for institutional funds to enter XRP on a large scale but also greatly enhances its asset status and global recognition.
This initiative undoubtedly lays a solid foundation for the value of XRP. If XRP can successfully capture a portion of the global payment settlement market, even if it only occupies 5% to 10% of the SWIFT market, given the current scale of the global payment settlement market worth hundreds of trillions of dollars, the potential value of XRP is still far from being correctly reflected by the market. Conservative estimates suggest that XRP has the opportunity to achieve more than 30 times growth space in the future, rising to become an important crypto asset second only to Bitcoin.
The shift in the attitude of the U.S. financial market also confirms a trend: in the future reconstruction of finance, the ones that can truly bring about systemic change may not be speculative coins driven by price hype, but fintech platforms like XRP that have already deepened into the underlying architecture of banks and enterprises, reshaping settlement and payment logic.
XRP is not only a cryptocurrency but also an important component of future financial infrastructure. When the market truly realizes this, XRP will no longer be seen merely as an alternative but will become an indispensable core asset in the global financial system.
