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Ripple (XRP) is a digital payment protocol and cryptocurrency designed for fast, low-cost international money transfers. Created by Ripple Labs, XRP acts as a bridge currency in the RippleNet network, enabling seamless transactions between different fiat currencies. Unlike Bitcoin, XRP doesn’t rely on mining; instead, it uses a consensus ledger and validators to confirm transactions, making it more energy-efficient. Ripple aims to work with banks and financial institutions to modernize and streamline cross-border payments. XRP’s main advantages are speed (transactions settle in seconds), scalability, and low fees. Despite regulatory challenges, particularly from the U.S. Securities and Exchange Commission (SEC), XRP continues to be widely traded