Ripple (XRP)

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What is Ripple (XRP)?

Ripple —— The World's First Open Payment Network

Website Explorer Documentation

Ripple is a privately held company that is building a payment and exchange network (RippleNet) on top of a distributed ledger database (XRP Ledger).
The XRP Ledger (XRPL) is an open-sourced distributed ledger powered by a network of peer-to-peer servers.
XRP is the digital asset native to XRPL. It is designed to function as a bridge currency, with the goal to "power innovative technology across the payments space" and enable "seamless, real-time, final, and cost-effective" global payments.
The supply of XRP is capped at a total of 100 billion XRP, while the available supply of XRP is designed to decrease over time, as the accrued amounts of transaction fees are “destroyed”.
XRPL was initially released in 2012 and is maintained by community participants, prominently amongst them the company Ripple, which holds a large amount of XRP that are largely locked up and purpose-bound.

Ripple Key Metrics

Recent Price	$0.4451
Market Cap	$20,232,269,418.64
Circulating Supply	45.404.028.640 XRP
Total Supply	99.990.831.162 XRP
Max Supply	100.000.000.000 XRP

About Ripple

Formerly known as OpenCoin, Ripple is a privately held company that is building a payment and exchange network (RippleNet) on top of a distributed ledger database (XRP Ledger). The main goal of Ripple is to connect banks, payment providers and digital asset exchanges, enabling faster and cost-efficient global payments.

Ripple is the world's first open payment network. Through this payment network, any currency can be transferred. It is simple and fast. The transaction confirmation is completed within a few seconds. The transaction fee is almost zero. There is no so-called cross-bank, remote or cross-border payment cost.

XRP is a digital asset built to “power innovative technology across the payments space”. It is the native digital asset on the XRP Ledger - an open-source, permissionless, and distributed ledger that is operated by a network of peer-to-peer servers. XRP can be sent directly without needing a central intermediary, making it a convenient instrument in bridging two different currencies quickly and efficiently.

The supply of XRP is capped at a total of 100 billion XRP, while the available supply of XRP is designed to decrease over time, as the accrued amounts of transaction fees are “destroyed”.

The XRP Ledger (XRPL)

Based on the work of Fugger and inspired by the creation of Bitcoin, Ripple deployed the Ripple Consensus Ledger (RCL) in 2012 - along with its native cryptocurrency XRP. The RCL was later renamed to XRP Ledger (XRPL).

The XRPL works as a distributed economic system that not only stores all the accounting information of the network participants but also provides exchange services across multiple currency pairs. Ripple presents the XRPL as an open-source distributed ledger that allows for real-time financial transactions. These transactions are secured and verified by the participants of the network through a consensus mechanism.

Ripple Project Team

The XRP Ledger was built in 2012 by Jed McCaleb, Arthur Britto, and David Schwartz. However, the conceptual development of a decentralized monetary system already started in 2004 by Ryan Fugger, who was subsequently approached by and joined Jed McCaleb.

David Schwartz, the Co-founder of ripple, also the former CTO at WebMaster Incorporated, and developed encrypted cloud storage and enterprise messaging systems for organizations like CNN and the National Security Agency.

Jed McCaleb, another Co-founder, besides co-founding XRPL, Jed McCaleb was the co-founder and CTO of Ripple and created MtGox. He is currently serving as the co-founder and CTO of Stellar. Arthur Britto co-founded Ripple and XRPL, as well as PolySign.

The XRP Ledger and its surrounding community are maintained by participants of the global “XRP Community”, of which the company Ripple, is an active member.

Use cases of XRP

The two-way circulation of real and virtual currency;
Multi-currency P2P exchange and payment;
P2P network credit;
Personal network liquidation.

Advantages of XRP

Speed: payments moving across the XRP Ledger settle in 3-5 seconds.
Scalable: the XRP Ledger is technically capable of handling over 1,500 transactions per second. Since XRPL supports payment channels, this ceiling could be potentially be further raised.
Distributed: XRPL has over 140 validators distributed across the globe.
Stable: since its inception in 2012, all ledgers closed without issue (56 million+ ledgers closed as of July 2020).
Eco-friendly: since XRPL is not built on a Proof-of-Work (PoW) consensus mechanism, it consumes less resources for its operations than Bitcoin and other PoW coins.
Transparency: like other public distributed ledgers, XRPL’s statistics are updated in real-time for information on settlement speed, network transaction fees, and number of transactions per second.