#XRPETF
XRP is a digital currency created by Ripple Labs to enable fast, low-cost international money transfers. Unlike Bitcoin, XRP doesn't rely on energy-intensive mining; instead, it uses a consensus ledger to validate transactions in seconds. Designed for financial institutions, XRP facilitates cross-border payments and liquidity between different currencies. It aims to replace outdated banking systems like SWIFT with more efficient blockchain technology. XRP has faced regulatory scrutiny, notably a lawsuit by the U.S. SEC, but remains one of the top cryptocurrencies by market capitalization. Its speed, scalability, and practical use case make it a unique player in the crypto space.
