After the XRP spot transaction, the media quoted the platform ' s analysts as saying that the move was not just about adding a new trade, but more about its judgement of the path of encrypted payments to land: price stability and the speed of transfer needed to be addressed at the same time, and the business settlement scene could really expand.
Lotte splits the problem into two parts.
According to reports, the early vision for cross-border transfers put forward by Bitcoin, according to Kondaw Matsuda, Senior Analyst of the Lotte Wallet, has long been constrained by two realities: insufficient speed of processing and excessive volatility in asset prices. The former affects the efficiency of payments, while the latter increases risks in the holding and settlement processes.
According to him, price volatility had been addressed to some extent by the stabilization currency, while the XRP design was more oriented towards rapid transfers. The combination of the two would bring the business closer to the actual requirements for liquidation and settlement tools.
More emphasis on business transfers outside the retail entrance
Upon going online, users can buy XRP through the lottery wallet and convert it to Rakuten Cash, which is used in the ecology of the lottery, including retail networks such as the Lotte Market. Users may also use Rakuten Points to purchase XRP without having to direct cash inputs.
Kono Matsuda believes that such a design would help to lower the psychological threshold for ordinary users to access encrypted assets. However, according to the reports, it is not retail consumption per se that matters more than business money transfers and cross-border payments.
He referred to scenarios such as intra-group settlements, cross-border transfers related to staff costs and B2B payments processed through the Japanese account. Such expenditures are generally of a continuing nature and are larger than single retail payments and are therefore seen as more realistic application directions.
Why is Lotte calling?
In the choice of assets, Matsuda Kanfou included liquidity as an important basis. He argued that the XRP was currently a global leading encrypted asset in terms of market value, and that the depth of the market was more suited to the demand for remittances and settlements than merely at the level of speculative transactions.
It was also mentioned that Lotte saw this access as part of a larger change. It is judged that the chain of real-world asset and securities-type tokens is introducing new categories of financial products, and that financial institutions that used to be cautious about encrypted assets are beginning to move towards more active participation.
However, when reference is made to a changing regulatory environment, no specific policy or institutional adjustments are listed.