According to GTR, Navin Gupta, managing director of Ripple Southeast Asia and the Middle East and North Africa region, said recently. Swift may be turning to real-time payments, but this does not solve the current problem of multi-trillion dollar prepaid financing accounts in global banks. Gupta explained that the increase in speed does not change the fundamentals of the agency banking system, that is, banks need to hold capital in current accounts. This is a “liquidity problem”. The world is currently trapped by about 5-10 trillion US dollars. In the prepaid financing account. If this $5-10 trillion is redeployed back to the domestic economy, can you imagine what impact it will have?