$XRP

XRP is a fast, scalable, and cost-efficient cryptocurrency designed for cross-border payments. Its transactions settle in 3-5 seconds, making it much faster than Bitcoin or Ethereum. XRP boasts low transaction fees, often less than a cent, making it ideal for microtransactions and remittances. It is backed by Ripple, a company collaborating with major financial institutions to improve global payment systems. Unlike traditional banking, XRP enables decentralized and instant value transfers. The XRP Ledger is energy-efficient, using a consensus mechanism instead of mining. With strong institutional adoption and regulatory clarity improving, XRP remains a promising digital asset for payments.