XRP and the XRP Ledger | Ripple's payments-focused crypto
XRP (ticker: XRP) is the native token of the XRP Ledger (XRPL) and frequently associated with the company Ripple. This page breaks down what XRP is, how the XRPL functions, how XRP is used for cross-border payments and institutional liquidity solutions, and what you should know about its adoption, regulatory context and utilities.
Ripple XRP refers to the XRP cryptocurrency that powers the XRP Ledger, often associated with Ripple Labs. It is designed for institutional and retail use in global payments.
The Ripple network connects banks, payment providers, and digital asset exchanges through RippleNet. It uses XRP as a bridge currency to settle international transfers quickly and at low cost.
XRP offers transaction confirmation in seconds, minimal energy use, and near-zero fees. It is also highly scalable, processing up to 1,500 transactions per second.
Yes, the XRP Ledger operates independently of Ripple Labs. Validators distributed worldwide maintain consensus, ensuring the ledger's independence from a single controlling entity.
Businesses use XRP for cross-border payments and liquidity management, while individuals trade or hold XRP as a digital asset. Its utility in remittances and institutional finance makes it distinctive.
Investors should be aware of market volatility, ongoing regulatory discussions about XRP's status, and the competition from other blockchain payment networks.
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