$XRP

XRP is one of the most established altcoins, known for its focus on cross-border payments. Its blockchain, XRP Ledger (XRPL), is designed for ultra-fast and cost-effective transactions, making it an attractive alternative to traditional banking systems like SWIFT.

Competitive advantage of XRP:

Global payments: Ripple's partnerships with banks and financial institutions ensure XRP's relevance in international remittance markets.

Regulatory developments: Despite past legal challenges, XRP has maintained its position as one of the leading liquidity providers in the crypto space.

Low fees, high speed: transactions take only between 3 and 5 seconds to confirm, with minimal fees.