#CreatorPad $XRP XRP – is an open-source cryptocurrency project created by the private company Ripple. Primarily, this digital asset was created to address various issues in the field of international banking operations, cross-border payments, and liquidity provision.

Why does XRP have value? XRP derives its value from various factors, but mainly from Ripple's ability to work with financial institutions worldwide and its capability to quickly and cost-effectively exchange for any currency or asset.

The reality is that Bitcoin and XRP serve different purposes, so investors can easily justify holding both in a diversified portfolio. The market capitalization of XRP is the third largest among cryptocurrencies, but as of today, it is only 185 billion dollars, which is less than 10% of Bitcoin's market cap.