$XRP $XRP is the native digital asset of the XRP Ledger, a fast and energy-efficient blockchain designed primarily for payments. Created by Ripple Labs, XRP aims to bridge traditional finance and crypto by enabling real-time cross-border money transfers with minimal fees. Unlike many cryptocurrencies, XRP doesn’t rely on mining; transactions settle in seconds. It’s especially popular among financial institutions exploring blockchain for remittances and liquidity solutions. However, XRP has faced regulatory scrutiny, especially from the SEC, which has affected its price and adoption. Still, many believe in its long-term utility and potential to reshape global payments if legal clarity is achieved.