Ripple (XRP) is a digital payment protocol designed to make international money transfers faster, cheaper, and more efficient. Unlike many other cryptocurrencies, Ripple is not just a blockchain network—it’s a complete payment solution used by banks and financial institutions around the world. The XRP Ledger processes transactions in just 3–5 seconds with extremely low fees, making it one of the fastest and most scalable networks in the crypto industry. The XRP token acts as a bridge currency, ensuring smooth cross-border transfers without the need for traditional banking intermediaries.