Ripple's on-demand liquidity (ODL) leverages the XRP token to streamline cross-border payments for banks. Here's how it benefits banks:
* Faster Settlements: ODL eliminates the need for pre-funding correspondent accounts, accelerating settlement times from days to seconds.
* Reduced Costs: Banks can ditch expensive nostro accounts and minimize foreign exchange fees with XRP's on-demand liquidity.
* Improved Efficiency: ODL simplifies cross-border transactions, streamlining back-office operations and freeing up resources.
* Enhanced Transparency: Real-time transaction visibility fosters greater control and reduces errors in international payments.
Overall, XRP-powered ODL offers banks a faster, cheaper, and more efficient way to facilitate international payments.

Franklin Templeton leverages the Stellar blockchain network through its Franklin OnChain U.S. Government Money Fund (FOBXX). This fund, launched in 2021, is the first U.S.-registered fund to utilize a public blockchain for processing transactions and recording ownership. Investors hold shares in the form of digital tokens (BENJI) on the Stellar network, enabling peer-to-peer transfers without intermediaries. This innovation aims to enhance transaction efficiency and provide investors with more flexibility in managing their assets.
0:00 Bank Failure FDIC Official
8:35 XLM
14:46 Bitcoin
26:08 Bank problems