#AltcoinSeasonLoading

XRP is a cryptocurrency created by Ripple Labs aimed at facilitating fast and low-cost international transfers. Unlike Bitcoin, which is decentralized, XRP operates on a partially centralized network, which ensures greater speed in transactions. Its primary use is among financial institutions, which use the token for immediate payment settlement. XRP stands out for its energy efficiency and scalability, processing thousands of transactions per second. Despite facing regulatory challenges, such as the SEC lawsuit in the U.S., the currency remains one of the most popular in the cryptocurrency market.