source @ https://www.cryptocoinsnews.com/google-apple-prefer-ripple-blockchain-tech-over-visa/
Ripple has introduced new features to improve its Ripple Consensus Ledger (RCL) and Interledger Protocol (ILP) to enhance transaction throughput, especially for cross-border payments. These improvements bring Ripple the same transaction throughput as Visa, the world’s largest payments network, and offer a solution to antiquated cross-border payments. Under the current payment system, with banks struggling to handle rising transaction levels, a transaction can take as long as three to five days.