**XRPL (XRP Ledger)** — a decentralized open-source blockchain established in 2012. The primary cryptocurrency is XRP, used for fast (3-5 sec.) and cheap transactions. It features a unique consensus algorithm (without mining), which reduces energy consumption. XRPL supports asset tokenization, smart contracts, and cross-chain gateways. The platform is popular among banks and payment systems for international transfers. The ecosystem includes DeFi, NFT, and CBDC projects. The market capitalization of XRP is $30+ billion (2023).
