XRPL: open architecture protocol

See:
Post-trade settlement, Clearing houses, fx market.
Development of CDBC's, stablecoins, payment systems issued on the XRPL for interbank settlement (XRP not intended for the retail investor).

For reference listen carefully to Patrick Griffin describe the use case in this IIF showcase video from 2014:
youtube.com/watch?v=DvBns7XLLxo

Not financial advice.