XRP Ledger is a payments-first blockchain enabling real-time, low-cost settlement and cross-border transaction efficiency. Franklin Templeton views XRPL’s native token, XRP, as a foundational building block given its market cap significance. The XRP Ledger (XRPL) is designed to prioritize payments, delivering real-time settlement at a fraction of traditional costs.
Its architecture supports fast cross-border transfers with high throughput and low latency, making it a compelling option for financial institutions seeking efficiency. Real-time settlement reduces settlement risk and improves liquidity across global rails. Industry observers, including Franklin Templeton, view XRP as a foundational element of XRPL due to its market capitalization and liquidity role.
Linking the settlement layer to a native token aims to streamline payments, reduce counterparty risk, and enhance interoperability across different payment networks. As XRPL continues to mature, its emphasis on scalable, interoperable technology positions it to shape the next generation of cross-border payment flows. The combination of fast settlement and token-based liquidity support could influence banks and fintechs as they redesign settlement rails. Ongoing adoption by institutions will determine XRPL’s long-term impact on the payments landscape.
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