---
title: "XRP news today: RippleNet and XRPL Collaborate to Revolutionize Cross-Border Payments"
type: "News"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/news/238906209.md"
description: "RippleNet, used by over 300 financial institutions globally, enhances cross-border payments by providing a fast and cost-effective alternative to SWIFT. It operates as a closed network for secure payment processing. The XRP Ledger (XRPL) is a decentralized blockchain that facilitates quick transactions without mining. Together, they utilize Ripple’s On-Demand Liquidity (ODL) solution, allowing seamless currency conversion and reducing costs. This collaboration aims to revolutionize global payments, making XRP a valuable asset for institutions due to its efficiency and utility in cross-border transactions."
datetime: "2025-05-06T11:40:37.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/238906209.md)
  - [en](https://longbridge.com/en/news/238906209.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/238906209.md)
---

> 支持的語言: [简体中文](https://longbridge.com/zh-CN/news/238906209.md) | [English](https://longbridge.com/en/news/238906209.md)


# XRP news today: RippleNet and XRPL Collaborate to Revolutionize Cross-Border Payments

RippleNet, an enterprise-grade network developed by Ripple, is utilized by over 300 financial institutions across more than 55 countries to facilitate fast and cost-effective cross-border payments. It handles messaging, compliance, and routing, positioning itself as a more efficient alternative to SWIFT. RippleNet operates as a closed, permissioned network, ensuring reliable initiation and processing of global payments with speed and accuracy. Unlike blockchain-based systems, RippleNet does not settle payments directly but focuses on the secure transfer of information and instructions necessary for settlement.

The XRP Ledger (XRPL), on the other hand, is a decentralized blockchain that powers the digital asset XRP. It is open-source and does not require mining, allowing it to settle transactions in three to five seconds. The ledger is built for speed, tokenization, decentralized finance, and central bank digital currencies, serving as the underlying infrastructure for Ripple when liquidity is required on demand. Unlike RippleNet, XRPL is accessible to anyone and is not controlled by Ripple. It operates independently, allowing users to transact XRP and issue tokens directly on the ledger, making it a valuable tool for developers and institutions looking to build blockchain-based financial applications.

RippleNet and XRPL, though separate, work together through Ripple’s On-Demand Liquidity (ODL) solution. When a RippleNet user opts to use ODL, the transaction is executed using XRP via the ledger. A typical process involves one bank sending USD, converting it to XRP, transferring the tokens across the ledger, and then converting it to another currency for the receiving bank. This eliminates the need for pre-funded accounts, shortens settlement times, and reduces costs. RippleNet acts as the institutional gateway for initiating payments, while the ledger serves as the decentralized pathway for moving value, making real-time cross-border payments practical and scalable.

This collaboration between RippleNet and XRPL is crucial in reinventing global payments. By leveraging the strengths of both systems, Ripple is able to offer a more efficient and cost-effective solution for cross-border transactions. The integration of ODL further enhances this capability, providing a seamless and secure way to transfer value across borders. This makes XRP an attractive asset for institutions, given its utility in Ripple’s payment network and its numerous features and advantages in the crypto space.

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