$XRP

As a well-established digital currency, XRP has long attracted market attention due to the cross-border payment ecosystem created by Ripple. Its advantages include fast transaction speeds and low fees, along with partnerships with various financial institutions. However, regulatory uncertainty remains the biggest challenge—while Ripple's partial victory against the SEC in the U.S. in 2023 brought some positive news, the overall legal risks have not been fully resolved. The future trend of XRP will highly depend on regulatory attitudes and the progress of institutional adoption, with potential for significant short-term volatility, while its long-term value will depend on its actual application scale in the global payment system.