XRP is a cryptocurrency developed by Ripple Labs Inc. It is known for its distributed ledger technology and its focus on facilitating cross-border payments quickly and cheaply. Unlike Bitcoin and other cryptocurrencies, XRP is not based on mining, but was initially distributed through a pre-mining process. Ripple, the company behind XRP, works with financial institutions to facilitate international payments through its network, which has generated some controversy in the crypto community due to its differences in approach compared to other decentralized cryptocurrencies.
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