$XRP

XRP is a digital currency developed by Ripple Labs to facilitate fast, low-cost international money transfers. Unlike Bitcoin, XRP does not rely on mining; instead, it uses a unique consensus algorithm through trusted validators to confirm transactions. It is known for its scalability, processing thousands of transactions per second. XRP is used by financial institutions to provide liquidity in cross-border payments, aiming to replace traditional systems like SWIFT. Its fixed supply of 100 billion tokens also contributes to its distinctiveness. Despite legal challenges from the SEC, XRP remains one of the top cryptocurrencies in terms of market capitalization and adoption.