$XRP XRP is the core asset of the Ripple network, focusing on cross-border payments with fast speeds and low costs. However, it faces long-term regulatory controversies (SEC lawsuit) and questions regarding centralization. Despite partnerships with multiple banks, actual application progress is slow, and it experiences significant price volatility, heavily influenced by market sentiment and lawsuit outcomes. If regulation becomes clearer and the ecosystem expands, it may have potential, but its high-risk attributes are prominent, and investment should be approached with caution.