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Ripple (XRP), is a technology intended to increase the speed of settlement, the security of transactions, and provide liquidity to financial institutions and companies. It has been successfully implemented and their team has produced use cases for banks, exchanges, corporations, and payment providers. The potential of scaling for XRP is incredible with the possibility of outperforming traditional payment processors.
When making a transaction with XRP, it takes exactly 4 seconds for the payment to go through the system and reach a settlement. Their company goal is to provide a consistent, frictionless experience that will ultimately replace the current financial model.
The vision is to bring forth a new era where financial institutions are using a modern and enhanced system. The technology that exists today will help them lower the costs of making a transaction, reduce the amount of human labor in bookkeeping, and increase their overall profits.
Official Website: https://ripple.com/