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The XRP Ledger operates on a consensus protocol that differs from traditional proof-of-work (PoW) and proof-of-stake (PoS) mechanisms. [7] [3] Transactions are validated by a network of independent validators who reach consensus every 3 to 5 seconds, enabling rapid transaction settlement. [7]
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In March 2018, a Japanese bank consortium led by SBI Ripple Asia, comprising 61 banks launched "MoneyTap", a Ripple-powered mobile app to provide on-demand domestic payments in Japan. [6]
"The XRPL, serves as the backbone for the digital payment protocol Ripple. XRPL differentiates itself by focusing on high-speed, low-cost international transactions, using a CA called the RPCA. While the XRPL's performance has been lauded, systematic empirical evaluations and comparisons with other blockchain platforms remain limited".
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