#XRPETF XRP, created by Ripple Labs, is both a cryptocurrency and a payment platform aimed at facilitating global value transfers quickly and economically. Unlike other cryptocurrencies, it does not use traditional blockchain but rather a distributed ledger. Its transaction speed is remarkable, completing in seconds, making it attractive to financial institutions.

With a maximum supply of 100 billion tokens, XRP differs from Bitcoin in its consensus mechanism and the absence of mining. While it has experienced significant fluctuations in its value, it maintains an important role in the cryptocurrency space, especially in the realm of cross-border transfers. Its future is influenced by regulatory developments and its adoption by financial institutions.