$XRP XRP is the native cryptocurrency of the XRP Ledger, a decentralized blockchain designed for fast and low-cost cross-border payments. Unlike Bitcoin, which uses Proof-of-Work, XRP employs the XRPL Consensus Protocol, enabling near-instantaneous transactions with minimal fees . Ripple Labs, the company behind XRP, positions the token as a bridge currency for financial institutions, enhancing liquidity and reducing the need for pre-funded accounts in international transa