Cross‑Border Efficiency: XRP’s Enduring Advantage
Hilton began by revisiting XRP’s original purpose — revolutionizing global payments. “XRP is at the heart of Ripple’s money transfer system,” he said, highlighting its unmatched ability to move money across borders faster and more efficiently than traditional systems.
Acting as a bridge currency, XRP eliminates the need for pre‑funded accounts, cuts settlement time from days to seconds, and drastically reduces transaction costs. With transaction finality achieved in just three to five seconds — compared to Bitcoin’s ten minutes or SWIFT’s two to five days — XRP continues to set the benchmark for modern financial settlement.
5 Key Reasons That XRP Will Be Worth More In The Future… pic.twitter.com/PQz4WkjG6c
— Austin Hilton (@austinahilton) October 9, 2025
Everyday Integration and Real‑World Use
Hilton also emphasized XRP’s growing presence beyond the banking sector. “XRP is increasingly used outside of financial institutions,” he explained, pointing to practical integrations that demonstrate its expanding utility.
One notable example is Bustour, which “has established a $300 million XRP treasury to support blockchain‑powered travel vouchers and loyalty point settlements.” This initiative allows over 60 million loyalty members to use XRP for airport transfers, premium rides, and travel experiences — turning XRP into a payment asset people actually use in their daily lives.
Institutional Confidence and Treasury Adoption
Institutional trust in XRP is another major catalyst Hilton highlighted. “Institutions are starting to treat XRP as a serious operational and treasury asset,” he noted, citing examples like Bank of America’s pilot programs that leverage Ripple’s payment network.
This shift indicates that XRP is being recognized not only as a transactional tool but also as a valuable liquidity and treasury management asset. As more financial entities adopt Ripple’s infrastructure, XRP’s role as a bridge currency within institutional finance continues to strengthen.
Technological Superiority and Scalability
Hilton underscored XRP’s technological edge as a crucial part of its long‑term growth. “The XRP Ledger can settle transactions in three to five seconds,” he said, describing its superior speed and reliability. This capability gives XRP a clear advantage over slower blockchain systems and traditional payment rails like ACH and SWIFT.
Its low transaction costs and scalability make it ideal for diverse applications, including stablecoin issuance, tokenized assets, and decentralized finance — all of which expand XRP’s real‑world relevance.
Regulatory Clarity and Expanding Network Growth
After years of legal uncertainty, XRP is entering a new era of clarity. “The lawsuit is behind us, and regulators are no longer on our trail to create bogus cases or anything like that,” Hilton stated. This regulatory peace has reignited confidence among investors and institutions alike. The number of XRP wallets has now surpassed five million.