$XRP $XRP is the native cryptocurrency of the Ripple network, designed to enable fast and low-cost international money transfers. Unlike Bitcoin or Ethereum, XRP uses a unique consensus ledger instead of traditional mining, making transactions faster and more energy-efficient. Ripple aims to bridge traditional banking systems with blockchain technology, helping financial institutions settle cross-border payments in seconds. XRP has gained attention due to its partnerships with banks and its legal battle with the SEC, which significantly impacted its price and reputation. Despite challenges, XRP remains one of the top cryptocurrencies with strong utility in global payment infrastructure.