$XRP is the native cryptocurrency of the Ripple network, designed to enable fast, low-cost international payments. Unlike Bitcoin or Ethereum, XRP transactions are confirmed within seconds and use minimal energy. Ripple aims to replace the outdated SWIFT system by offering banks and financial institutions a more efficient way to transfer money globally. With its strong partnerships and utility in cross-border payments, XRP stands out in the crypto space. Despite legal battles with the SEC, it remains a top asset by market cap. If adopted widely, XRP could become a key player in the future of global finance.