XRP is a digital asset and payment network designed for lightning-fast, low-cost global money transfers. Here are 10 key points about it as of December 2025:
Fast Transactions: XRP settles in just 3–5 seconds, making it significantly faster than Bitcoin or traditional bank wires.
Low Cost: Transaction fees on the XRP Ledger are typically a fraction of a penny (around 0.00001 XRP).
Bridge Currency: It is primarily used by financial institutions to move value between different fiat currencies without needing pre-funded accounts.
No Mining: Unlike Bitcoin, XRP is not mined; all 100 billion tokens were "pre-mined" at its launch in 2012.
Legal Clarity: In early 2025, Ripple reached a final $50 million settlement with the SEC, ending years of legal uncertainty in the U.S.
Eco-Friendly: Because it doesn't require energy-intensive mining, it is considered one of the most sustainable cryptocurrencies.
ETF Approval: Spot XRP ETFs were approved and launched in late 2025, drawing over $1 billion in institutional inflows.
Stablecoin Integration: Ripple recently launched RLUSD, a USD-pegged stablecoin that works alongside XRP on multiple blockchains.
High Scalability: The network can handle up to 1,500 transactions per second, comparable to the capacity of major credit card networks like Visa.
Market Status: As of December 27, 2025, XRP is trading around $1.85, having reached a seven-year high of $3.40 earlier in the year.
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