$XRP XRP is a cryptocurrency launched by Ripple, aimed at achieving fast and low-cost cross-border payments through its payment network[^0^]. It utilizes a unique Ripple protocol consensus algorithm, allowing for fast transaction speeds (completed in 3-5 seconds) and extremely low fees, processing up to 1500 transactions per second[^1^]. Recently, the XRP market has performed strongly, with its market capitalization briefly surpassing USDT to become the third-largest cryptocurrency, having increased by over 367% in the past 30 days[^3^]. However, XRP still faces regulatory challenges, particularly in its legal disputes with the U.S. Securities and Exchange Commission (SEC), which introduces uncertainty regarding its future development[^4^].