XRP is a cryptocurrency created back in 2012 for fast and cheap international payments.

It operates independently of Ripple, but is actively used in its products, particularly in Ripple Payments.

📊 Key Facts:

• ⏱ Transaction Speed: 3–5 seconds

• ⚡ Throughput: up to 1,500 TPS

• 💸 Fee: less than 1 cent (part of it is burned)

• 🌱 Energy-efficient consensus mechanism (no mining)

• 🔒 100 billion XRP issued at once; a significant portion in escrow

🌍 Usage:

• Banks and financial institutions (Santander, Bank of America, SBI Holdings)

• Platform for international payments in over 55 countries

• New Canadian spot ETF on XRP (XRPP)

• Tokenization of assets (RLUSD, EURØP) and custody solutions

⚖️ Legal Breakthrough

In August 2025, the SEC officially concluded a multi-year lawsuit with Ripple. The company paid a $125 million fine, and now the sale of XRP on exchanges is not considered a security. This opened the door for broader institutional use.

💡 Predictions and Potential:

• Current Price: ≈ $3

• Market Capitalization: ≈ $175 billion

• Standard Chartered analysts expect:

• $5.5 by the end of 2025

• $8 in 2026

• $12.5 in 2028

✅ Advantages:

• Very fast and cheap payments

• Energy efficiency

• Growing number of partnerships and ETFs