The RAND Corporation has recognized XRP as a viable solution for peer-to-peer payments in its latest policy paper, "Artificial Intelligence and Crypto in Financial Services." The report highlights XRP's efficiency in facilitating cross-border transactions, noting its ability to process transactions in under five seconds with fees less than $0.01. This acknowledgment underscores XRP's growing reputation as a legitimate payment asset. The report also discusses the potential of integrating artificial intelligence with crypto payment systems, suggesting that such advancements could enhance the speed and convenience of digital transactions, potentially surpassing traditional payment systems. Despite the recognition, RAND's report mistakenly links XRP directly to Ripple, a distinction that enthusiasts emphasize as incorrect, given that Ripple and XRP are separate entities. Additionally, the report emphasizes the evolution of the cryptocurrency space beyond Bitcoin, highlighting the roles of other digital assets like stablecoins, tokenized assets, and utility tokens. XRP's focus on cross-border payments and real-world asset tokenization is noted as a significant factor in its adoption by banks and financial institutions.