#XRPETF XRP is a digital asset and cryptocurrency created by Ripple Labs, designed for fast, low-cost cross-border payments. Unlike Bitcoin, XRP uses a consensus ledger rather than proof-of-work, enabling quicker transactions (3-5 seconds) and minimal fees. Its primary use case is facilitating liquidity in Ripple’s payment solutions, such as On-Demand Liquidity (ODL), helping financial institutions transfer value efficiently. With a fixed supply of 100 billion XRP, the currency aims to bridge fiat currencies and reduce reliance on traditional banking systems. Despite regulatory scrutiny in the U.S., XRP remains a top cryptocurrency, favored for its utility in global remittances and institutional adoption.