"The global correspondent banking system requires an estimated $24 trillion in idle capital at any given moment capital that earns no return, existing purely to buffer the latency of a system designed in the era of telex machines. Ripple’s On-Demand Liquidity product eliminates this entirely, using XRP as a real-time bridge currency. A payment that previously required pre-positioned capital in a correspondent bank now settles in 3–5 seconds at a fraction of a cent. At scale, this is not a fintech story. It is a macroeconomic story." Nagaraja Kumar Deevi