How about you guys ?
If you see from the system used by Ripple it is indeed the case for Ripple because it is able to have fast transactions, so it's only natural for Ripple to be able to compete with other altcoins for the fastest speed.
Then the RIpple transaki system is like that of an ATM machine that uses money using Fiat through the Master Card.
We only send the code, account number and then the money is sent easily, this method is almost used by RIpple (not much different from the system).