$XRP

XRP is the native cryptocurrency of the *Ripple* network, designed for fast, low-cost international money transfers. Unlike Bitcoin, #XRP uses a consensus protocol instead of mining, enabling transactions in seconds with minimal fees. Ripple partners with banks and financial institutions to improve cross-border payment systems, aiming to replace slow, expensive SWIFT transfers. XRP acts as a bridge currency between different fiat currencies, increasing liquidity and reducing costs. It’s highly scalable, processing up to 1,500 transactions per second. Despite legal challenges with the SEC, #XRP remains one of the top cryptocurrencies due to its real-world use case and institutional focus.