your information as far as BTC is way out of date xrp transaction speed 3 to 5 seconds per transaction Bitcoin with lightning is about 7 transactions per second and it is intended by developers to increase speed to pass the industry standard of visa at about 1700 transactions per second . . XRP is a coin where you the owner are required to trust a middle person or institution Btc is a coin that is designed not trust a middle person or institution .