What Is Ripple’s (XRP) On-Demand Liquidity Service?
Ripple’s On-Demand Liquidity (ODL) uses XRP to settle cross-border payments in about 3–5 seconds, according to the article. It aims to reduce costs and eliminate pre-funded foreign-currency accounts by converting into XRP on one end and into local currency on the other via RippleNet. The piece says ODL processed over $15 billion in 2024 (+32% YoY) and cumulative Ripple Payments exceeded $95 billion by Jan. 2026, while noting XRP volatility and regulatory differences remain.