$XRP XRP, as a long-established digital currency, has long attracted market attention due to the cross-border payment ecosystem built by Ripple. Its advantages include fast transaction speeds and low fees, along with partnerships with multiple financial institutions. However, regulatory uncertainty remains the biggest challenge—while Ripple's partial victory against the SEC in 2023 brought positive news, the overall legal risk has not been completely resolved. The future trend of XRP will highly depend on regulatory attitudes and the progress of institutional adoption, with potential for significant short-term volatility; its long-term value will depend on the actual scale of its application in the global payment system.