$XRP XRP is a digital asset and cryptocurrency developed by Ripple Labs to facilitate fast, low-cost international payments. Unlike Bitcoin, which uses mining, XRP transactions are confirmed through a consensus protocol, making them extremely quick and energy-efficient. XRP is often used by banks and financial institutions for cross-border transfers, aiming to improve the traditional SWIFT system. It has a fixed supply of 100 billion coins, with a significant portion held by Ripple itself. XRP's value can be highly volatile, influenced by market demand, regulatory news, and Ripple's business developments. It remains a major player in the cryptocurrency ecosystem.

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