XRP is a digital currency developed by Ripple Labs, designed for fast and low-cost international money transfers. As of 2025, XRP remains one of the top cryptocurrencies by market capitalization, despite ongoing legal battles with the U.S. SEC. Its utility in cross-border payments has attracted partnerships with financial institutions worldwide. Market sentiment around XRP is influenced by regulatory developments and adoption rates. XRP's price has shown volatility, but it continues to be a major player in the crypto space due to its unique consensus protocol and strategic use case in global financial systems.