$XRP

XRP is a digital asset built for fast, low-cost global payments. Developed by Ripple Labs, it facilitates instant cross-border transactions, making it ideal for financial institutions. Unlike Bitcoin, XRP uses a unique consensus algorithm rather than mining, allowing for quicker confirmation times and reduced energy use. Its utility in RippleNet helps banks and payment providers settle international payments efficiently. However, XRP's price has been volatile due to regulatory issues, especially the SEC lawsuit in the U.S., which has impacted investor confidence. Despite challenges, XRP remains one of the top cryptocurrencies with strong potential in global financial infrastructure.