XRP is not just a storage or speculative asset; it has core functions:

· Bridge Currency: This is the main function. Instead of Bank "A" needing to find Bank "B" to exchange a rare currency (like converting Chinese Yuan to Mexican Peso), both parties can use XRP as a bridge. Funds are converted to XRP, then XRP is converted to the desired currency in seconds, saving time and high currency exchange fees.

· Transaction Fee: Every transaction on the network requires a very small amount of XRP (about 0.00001 XRP) as a fee. This fee is burned (destroyed) and does not go to anyone, preventing the network from being flooded with fake transactions and leading to a gradual decrease in the total supply of XRP over time.

· Reserve: For an account on the network, a small amount of XRP (like 10 XRP) must be held as a reserve. This prevents the creation of millions of fake accounts that burden the network$XRP