XRPL is built around fast, low-overhead value transfer and has long been associated with payment-oriented blockchain design. For practical payment infrastructure, that makes it relevant as a network focused more on movement of value than on broad smart-contract experimentation.
From a merchant perspective, XRPL is attractive because quick confirmation and predictable network cost matter in checkout. It is especially interesting for operators who care about transfer efficiency and a payment-first chain identity.
Like Bitcoin, XRPL differs from the EVM payment model used on contract-heavy chains. That means wallet handling, fee treatment, and platform capacity logic are not explained the same way as on the active EVM networks.