#XRPETF **XRP Currency: Ripple and Faster Financial Transfers**

XRP is a digital currency created by **Ripple** in 2012, aimed at accelerating and improving **global money transfers**. XRP is used as a bridge between different currencies, reducing costs and time compared to traditional systems like **SWIFT**.

XRP is characterized by its exceptional speed, with transactions occurring in just **3-5 seconds**, and very low fees. It targets banks and financial institutions to enhance the efficiency of cross-border payments.

Despite criticisms of its centralization (as Ripple holds a large portion of the currency), XRP remains one of the most important currencies in the field of **decentralized finance (DeFi)**.

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