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XRP (XRP) is a digital asset and a payment system created by Ripple. The coin is based on the Ripple protocol and is used by banks and other financial institutions to make fast, cheap and reliable global payments. Ripple was founded in 2012 by Ryan Fugger and Jed McCaleb. XRP is not a cryptocurrency like Bitcoin or Ethereum. It is a digital asset that uses blockchain technology. XRP is not mined, but is instead created through a process called “ripple issuance.”

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