XRP

XRP is primarily designed as a fast, low-cost bridge currency for cross-border payments, setting it apart from cryptocurrencies focused on value storage or smart contracts. According to NS3.AI, while millions hold XRP, its largest users include retail investors and crypto exchanges for liquidity management. Select payment providers utilize XRP for international remittances. Major banks often employ Ripple's technology infrastructure but rarely use XRP itself for liquidity, highlighting its specific rather than universal utility.