$XRP
1. Function Cross-Border Payment “Accelerator”: Helps banks and institutions achieve instant international transfers with very low fees (from a few dimes to a few dollars).
2. Features Pre-issue of 100 billion tokens, managed and released by the company, unlike Bitcoin which relies on mining. Collaborates more with traditional financial institutions (like American Express), focusing on real-world payment scenarios.
3. Controversy Most tokens are held by the company, raising concerns of “insufficient decentralization,” and U.S. regulators have previously labeled it as “securities.” Price volatility is high, and it faces competition from other payment tokens (like Stellar) and central bank digital currencies.
Summary: Similar to a “bank-specific cross-border payment digital currency,” it is highly efficient but has significant centralization controversies, so investments need to closely monitor regulatory policies and collaboration progress.
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