$XRP

XRP is a digital currency created by Ripple Labs to enable fast, low-cost international money transfers. Unlike many cryptocurrencies, XRP does not rely on mining; instead, it uses a consensus ledger and validators to confirm transactions quickly and efficiently. XRP is designed to bridge different fiat currencies, making it a useful tool for banks and financial institutions looking to improve cross-border payment systems. Its scalability and low transaction fees make it suitable for high-volume transfers. XRP has sparked debate in the crypto community, especially regarding its centralization, but it remains one of the top digital assets by market capitalization.