What is XRP? Beginner's Breakdown - Ripple's Cross-Border Payments & Utility in 2025

XRP is a cryptocurrency designed for fast, low-cost global payments, created by Ripple Labs in 2012. Running on the XRP Ledger (XRPL), a decentralized blockchain, XRP processes transactions in 3-5 seconds with fees under a cent, making it ideal for cross-border transfers. Ripple Payments uses XRP as a bridge currency, slashing costs for banks and remittance providers compared to slow systems like SWIFT. In 2025, with regulatory clarity from the SEC lawsuit resolution and partnerships with over 300 financial institutions, XRP is gaining traction. The launch of Ripple’s stablecoin RLUSD and growing use in NFTs and dApps further boost its utility, positioning XRP as a key player in global finance.

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