Ripple
Ripple (XRP) is a digital asset optimized for fast, low-cost international payments, used by banks and financial institutions. It operates on the XRP Ledger and is known for its scalability and energy efficiency. Ripple has faced regulatory challenges, notably with the SEC, but remains widely used in cross-border settlement trials. XRP appeals to investors interested in fintech adoption of crypto.
| Ripple | |
|---|---|
| Available on Coinbase (2024)? | No |
| Creator(s) | Ripple Labs, founded by Chris Larsen and Jed McCaleb |
| Start year | 2012 |
| Decentralized score (out of 5) | 2/5: Centralized with Community Input |
| Influences or central authority | community input; Ripple Labs |
| Can be mined? | No |
| New issuance method | None |
| Maximum supply (in millions) | 100,000 |
| Percentage already issued (2024) | 53% |
| Key functions (other than transactions) | cross-border payments, smart contracts |
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