The XRP Ledger is among the fastest blockchain settlement systems, with ripple mass adoption payment infrastructure taking transactions in 3-5 seconds and fees of less than 0.001.
The Ripple On-Demand Liquidity (ODL) model eliminates the prerequisite bank accounts in international transfers.
Absence of native smart contracts on the XRP Ledger is still a weakness in accordance with such ecosystems as Ethereum and Solana.
This is being duly considered by Ripple with the development of the XRPL EVM Sidechain and the Hooks upgrade, which brings about programmable functionality.
According to analysts, the future usage of Ripple will require XRPL to become more than a payment infrastructure, programmable or not.
Source: https://bfmtimes.com/ripple-mass-adoption-smart-contract-gap-payments/
Is Ripple Suitable Enough for Mass Adoption in Payments? Lack of Smart Contracts Poses Real Challenge
byu/emperordas inCryptoCurrency
Posted by emperordas
4 Comments
Ripple bots working overtime in this sub lately. Fuck off already, no one wants your scam token.
>Lack of Smart Contracts Poses Real Challenge
Sure does. XRPL cant even support basic ERC token standards that the DTCC (and others) plans to use.
[https://www.dtcc.com/news/2025/march/20/dtcc-joins-erc3643-association](https://www.dtcc.com/news/2025/march/20/dtcc-joins-erc3643-association)
Lol, the $XRP token plays no role once so ever with the Swift payment system. The tokens only role is in on-demand liquidity which has become obsolete between stablecoin services and defi. The token is a damn near a scam at this point.
Hey look, the usual XRP post trying to convince people it’s a live project with value and in no way trying to find suckers to use as liquidity.