In 2025, cross-border payments are undergoing a seismic shift, with the global market projected to hit $290 trillion by 2030, up from $150 trillion in 2020. Traditional systems like SWIFT, which handle $5 trillion daily but are plagued by 36-96 hour delays and $26-50 fees per transaction, are losing ground to blockchain alternatives. Enter XRP, Ripple's native token, explicitly designed for fast, low-cost transfers. The XRP/USD pair, trading at $2.44 as of November 12, 2025, and down 5.71% today, is trading in a range of $2.38-$2.57, encapsulating this evolution. Its 1.99% monthly gain and $136 billion market cap reflect growing adoption, but volatility underscores the challenges. As Ripple's On-Demand Liquidity (ODL) processes $1.3 trillion quarterly, XRP/USD isn't just a price chart; it's a barometer for digital finance's future.
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