What XRP has!
Feature Current Status
✅ Functional technology Already fast (3-5 seconds per transaction), cheap, and scalable (1,500 TPS)
✅ On-Demand Liquidity (ODL) Used by partner companies and banks for international transfers
✅ Low energy consumption More efficient than Bitcoin and Ethereum
✅ Limited supply Maximum of 100 billion coins, with partial burning with each transaction
✅ Partnerships with banks and governments Has worked with Santander, Bank of America, SBI, governments of Japan, Bhutan, and others
✅ Experienced and strong team Former employees of the Federal Reserve, SEC, and major banks
✅ Decentralized network (XRPL) Although Ripple holds a lot of XRP, the network is public and open-source
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❌ What XRP still needs to strongly appreciate:
What’s Missing Why It's Important
⚠️ Clear regulation in the US Ripple still faces legal uncertainty (although it has won part of the case against the SEC)
⚠️ More banks using ODL Currently, few are using it in high volume; needs to scale
⚠️ Retail adoption (ordinary people) XRP is still not widely used in everyday transactions as a payment method
⚠️ Partnerships with major fintechs Such as PayPal, Nubank, MercadoPago, etc.
⚠️ Integration with CBDCs Ripple wants to provide infrastructure for government digital currencies, but needs to secure significant contracts
⚠️ Transparency about escrow Ripple still holds over 40 billion XRP in custody; this causes distrust for some investors
⚠️ Global institutional listing and use Needs to be adopted by companies, banks, and governments on a large scale, not just in testing.
