$XRP

XRP, the digital asset native to the Ripple network, is designed to facilitate fast and low-cost cross-border payments. Unlike Bitcoin or Ethereum, XRP operates on a consensus algorithm rather than mining, making it more energy-efficient. Ripple, the company behind XRP, aims to improve global financial infrastructure by offering solutions for banks and payment providers. Despite facing regulatory challenges, particularly in its ongoing legal battle with the SEC, XRP remains a key player in the cryptocurrency space. With its focus on scalability and interoperability, XRP continues to attract interest from both institutional and retail investors in the global payments ecosystem.