$XRP

XRP Ledger or simply XRP (formerly known as Ripple)[1]​[2]​[3]​ is a free software project and a payment protocol that seeks to develop a credit system based on the "peer-to-peer" paradigm. Each node in the network functions as a local exchange system, so that the entirety of the system forms a decentralized mutual bank. Some consider that if implemented to its fullest extent, this network would constitute a decentralized social network service based on honor and trust among its participants at a global level (thus, its financial capital is supported by social capital). A reduced version of the network would consist of an extension of the traditional banking system in which there would be alternative payment routes that would not depend on central banks.