XRP is a cryptocurrency that has been developed, issued, and partially managed by US-based company Ripple Labs. XRP is one of the many products in Ripple Labs’ bundle, all created with the idea to improve the efficiency of cross-border payments, particularly in the banking sector.

It is the native digital currency on the XRP Ledger—an open-source, permissionless, distributed ledger that has the ability to settle transactions in 3 to 5 seconds.

XRP can be sent directly without any need for an intermediary, making it a convenient instrument in bridging two currencies quickly and efficiently. The main purpose of XRP is to be a mediator for currency exchange.

BlockChain
a system in which a record of transactions, especially those made in a cryptocurrency, is maintained across computers that are linked in a peer-to-peer network.
"we can actually have a look at the blockchain and see evidence of what's going on"

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