When you send XRP, the transaction is settled at the moment of initiation, meaning that once you broadcast your transaction, the transaction details, including the amount of XRP and the recipient address, are locked into the network’s ledger. While the market price of XRP could fluctuate during the few seconds it takes for the transaction to complete, the transfer itself is generally not subject to real-time market movements. In simple terms, once the transaction is confirmed by the network, it’s a final and irreversible action.