Ripple is a digital payment or a remittance network created in order to establish an instant transfer of funds across the globe. Ripple operates on an open-source peer-to-peer decentralized platform that records all the transactions in the network. The native cryptocurrency of the Ripple network is also called as Ripple and abbreviated by XRP.

Ripple was co-founded by Jed McCaleb and Chris Larsen and was released in 2012. Ripple facilitates the seamless transfer of money by connecting banks, payment providers, corporates and digital asset exchanges through the RippleNet. The Ripple XRP tokens provide banks and other financial institutions an on-demand solution to sources liquidity for instant global transfers.

As the Ripple network is based on blockchain technology it allows for low-cost global funds transfers just in a matter of few seconds. The Ripple’s distributed ledger XRP makes use of a consensus protocol that allows for payments and exchanges to take place in a distributed process.

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