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A report released by the World Economic Forum ten years ago has once again attracted attention. The report emphasized Ripple's potential to transform interbank settlement. The 2015 report used Germany's Fidor Bank as an example, pointing out that Ripple's protocol can enable real-time interbank settlement and simplify processes by eliminating traditional intermediaries. Analysts noted that the report recognized early on that decentralized networks like Ripple could help institutions complete payment settlements more quickly and directly, with its native token XRP serving as a fast, low-cost digital bridge for cross-border transactions.