$XRP $XRP is the native cryptocurrency of the XRP Ledger, a decentralized, open-source blockchain focused on fast and low-cost cross-border payments. Created by Ripple Labs, XRP aims to bridge the gap between traditional banking systems and blockchain by facilitating real-time settlement of global financial transactions. Its utility and partnerships with financial institutions make it a unique altcoin, often gaining attention during altcoin seasons like the one hinted at with #AltcoinSeasonLoading.