Digital financial three-piece set: Settlement, channel, payment

To build a truly operational global financial network, three levels need to work together:

XRP offers settlement efficiency: its network can complete cross-currency fund settlements in a few seconds and has achieved commercial deployment with dozens of banks.

CFX is a "trusted intermediary" for the on-chain world in relation to real-world regulations, playing a strategic role especially in the internationalization process of the Renminbi;

ACH completes the payment link "the last ring", connecting on-chain wallets, fiat accounts, and global merchants, truly turning crypto assets into "usable assets".

These three types of coins are not concept speculation, but rather system-level, long-term financial infrastructure assets.