$XRP XRP, the native token of the XRP Ledger, is designed for fast, low-cost cross-border payments. Created by Ripple Labs, XRP aims to bridge traditional finance with blockchain technology by enabling real-time settlement and liquidity solutions for banks and financial institutions. Unlike Bitcoin, XRP transactions are confirmed within seconds and consume minimal energy. Its unique consensus protocol makes it efficient and scalable. XRP has faced regulatory challenges, most notably a legal battle with the U.S. SEC, but continues to maintain a strong global community. As adoption grows and clarity increases, XRP could play a key role in the future of finance.