Ripple (XRP) is a real-time gross settlement (RTGS) system, which is a specialist money transfer network, currency exchange and remittance network. Released in 2012, it was created by the U.S.-based technology company Ripple Labs Inc. and validated by independent servers. The currency that is traded is known as XRP (a cryptocurrency). By early April 2021, its value rocketed to a three-year high (above $1, despite regulatory concerns). XRP can be exchanged for most other currencies and helps users avoid wait times associated with banks. However, cryptocurrency is relatively volatile, meaning that it can fluctuate.
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