$ETH XRP's potential lies in its ability to facilitate faster and more efficient international transactions. Its underlying technology, developed by Ripple Labs, aims to streamline cross-border payments, reducing costs and processing times compared to traditional methods. This focus on real-world utility has attracted the attention of financial institutions and businesses seeking to optimize their payment processes. However, the adoption of XRP has been intertwined with regulatory uncertainty, particularly in light of the ongoing legal proceedings involving Ripple and the SECmmmmm