$XRP

XRP is a digital currency belonging to Ripple, developed to facilitate cross-border payments quickly and efficiently. It is characterized by its ability to settle transactions within seconds, with lower fees compared to traditional transfers. It relies on a decentralized ledger (XRP Ledger), which is faster and less energy-consuming than traditional blockchain. XRP is used by banks and fintech companies to facilitate international transfers. Despite legal challenges with the U.S. Securities and Exchange Commission (SEC), the currency remains one of the most traded. Its market value is in the billions of dollars, making it a popular choice among investors. Its future depends on regulatory developments and the adoption of financial institutions in their systems.