$XRP was originally RipplePay in 2004, aiming to create a peer-to-peer payment network without bank involvement. In 2011, it was taken over by Jed McCaleb and others, developing into a blockchain payment system. Initially 100 billion coins were issued, with 20% allocated to the founders and 80% to the company. It focuses on cross-border payments, enhancing efficiency and reducing costs. It was impacted by a lawsuit from the U.S. SEC, affecting its price.
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