#LTC&XRPETFsNext? XRP is a digital asset created by Ripple, designed to facilitate fast and cost-effective cross-border payments. Unlike Bitcoin, which relies on mining, XRP uses a consensus ledger for transaction validation, making it more energy-efficient and scalable. Ripple aims to collaborate with banks and financial institutions to improve global money transfers, reducing transaction fees and processing times. XRP's speed and low cost make it attractive for remittances and international settlements. However, its regulatory status has been a subject of controversy, especially in the U.S. Despite legal challenges, XRP remains one of the top cryptocurrencies, maintaining strong adoption in financial markets.