How fast is a payment?
An XRP payment settles in one ledger close, three to five seconds. Swaps and anything crossing to another network take as long as that network needs.
The XRP Ledger closes a new ledger every three to five seconds, and a payment is final the moment it is included. There is no pending state to babysit and no confirmations to count.
Anything that leaves the XRP Ledger is slower: a swap, a send to another chain, or a deposit from another chain settles at the speed of the slowest network involved, from under a minute to, for Bitcoin, the better part of an hour.
How do swaps work?
Swaps are routed through NEAR Intents, a cross-chain settlement network. Your XRP leaves the ledger natively, the swap settles across networks, and the asset you bought is credited to your wallet, all signed by your keys on your phone.
Which languages and currencies does the app support?
The app ships in 13 languages and can price your balances in dozens of currencies. Both are changed from Settings, General, and neither touches your wallet or your keys.