The conversion rate of XRP to USD now has a deeper meaning than its mere surface-level value. XRP is increasingly seen as a settlement token for global payroll systems because it is faster and cheaper than traditional software. Organizations all over the world have to deal with slow payments between countries and high conversion fees. Companies can use XRP for payroll to change fiat money into XRP, move it across borders, and change it back to the local currency right away for a lot less money. READ MORE