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XRP is a digital asset native to the XRP Ledger (XRPL), an open-source, decentralized blockchain technology. Launched in 2012, XRP was designed to facilitate faster, more affordable cross-border transactions. Unlike many other cryptocurrencies, XRP transactions can settle in 3-5 seconds, making it a highly efficient medium for transferring value. XRP is not mined, which contributes to its inherently green attributes, being both carbon-neutral and energy-efficient. The XRP Ledger, on which XRP operates, is maintained by a global community of developers, server operators, users, and businesses, all working collaboratively to enhance its functionality and solve problems.

XRP operates on the XRP Ledger, which uses a unique Federated Consensus mechanism to validate transactions. This consensus protocol involves designated independent servers, known as validators, which agree on the order and outcome of XRP transactions. All servers in the network process each transaction according to the same rules, and any transaction that follows the protocol is confirmed immediately. All transactions are public and transparent, and anyone can operate a validator. The XRP Ledger is capable of settling thousands of transactions per second, making it highly scalable. It also features low transaction costs, which opens up a wide variety of potential blockchain use cases.

XRP has a wide variety of potential applications and use cases. It can be used by financial institutions to facilitate faster, more affordable cross-border payments. Individual consumers can use XRP to move different currencies around the world quickly and efficiently. XRP is also traded on more than 100 markets and exchanges worldwide, making it a popular choice for traders. The low transaction fees, reliability, and high speed of XRP enable traders to use it as high-speed, cost-efficient, and reliable collateral across trading venues. Developers can also use the XRP Ledger to create solutions that solve inefficiencies, including remittance and asset tokenization.

XRP was created in 2012 by David Schwartz, Jed McCaleb, and Arthur Britto. They launched the XRP Ledger with its native currency XRP as a faster, more energy-efficient alternative to the Bitcoin blockchain. In September 2012, they founded the company that is today known as Ripple. The XRP Ledger architects gifted 80 billion XRP to Ripple so that the company could build use cases around the digital asset. Since its inception, XRP has been adopted by a global community of businesses and developers, and it continues to be used to solve real-world problems and generate real value.