$XRP XRP is the core asset of the Ripple network, focusing on cross-border payments with fast speed and low fees. However, it faces long-term regulatory controversies (SEC lawsuit) and doubts about centralization. Although it collaborates with several banks, actual application progress is slow, and the price is highly volatile, significantly affected by market sentiment and lawsuit outcomes. If regulations become clearer and the ecosystem expands, it may have potential, but its high-risk nature is prominent, and investment should be approached with caution.