Ripple’s CEO David Schwartz explains how the XRP Ledger stands apart from Bitcoin and Ethereum, focusing specifically on real-world financial needs like rapid transactions, low fees, and high reliability. He highlights that while Bitcoin prioritizes simplicity and security, it limits flexibility, while Ethereum’s focus on smart contracts creates a complex and unpredictable system. The XRP Ledger, on the other hand, is designed for efficient cross-border payments, asset tokenization, and other financial applications. Schwartz emphasizes how this focused approach results in superior performance compared to Bitcoin and Ethereum for these specific purposes. The article explores why XRP has emerged as a strong contender for real-world financial solutions.