$XRP XRP is a cryptocurrency created by Ripple Labs to make cross-border payments faster and cheaper.

Unlike Bitcoin, it doesn’t need mining – it uses a consensus protocol, so it's way more energy-efficient.

Transactions are super fast – usually done in 3-5 seconds.

XRP is often used by banks and payment providers to move money across countries.

It’s got a fixed supply of 100 billion coins, so there’s no mining inflation.

Ripple (the company) holds a lot of XRP, which sometimes raises concerns about centralization.

It’s been involved in a legal battle with the SEC over whether XRP is a security – that affected its price and public perception.

Still, it’s managed to stay in the top cryptos by market cap.

Many investors like it for its real-world use case.

Overall, XRP is more about utility than hype.