$XRP — a cryptocurrency created by Ripple for fast and cheap international money transfers. Unlike Bitcoin, XRP is not mined: all coins have already been issued. This makes the network more energy-efficient and resilient to overloads. Ripple actively collaborates with banks and fintech companies, which strengthens trust in the token. Despite legal battles with the SEC, XRP remains one of the largest cryptocurrencies by market capitalization. Its goal is to replace SWIFT and accelerate cross-border payments. The future of XRP largely depends on regulatory decisions and the scaling of cooperation with financial institutions.