XRP is a Layer 1 cryptocurrency engineered by Ripple to revolutionize international money transfers through faster, cheaper transactions than traditional SWIFT networks. As one of the few ISO-20022-approved cryptocurrencies, XRP has achieved institutional adoption from Santander Bank, Standard Chartered, and SEB, demonstrating real-world utility in global banking. The XRP Ledger processes 1,500 transactions per second with 3-5 second settlement times and minimal fees, while RippleNet enables banks to use XRP as a bridge currency for seamless cross-border conversions. However, the SEC lawsuit challenging XRP's classification as an unregistered security has significantly impacted its market availability and price volatility. Despite regulatory challenges, XRP maintains its position among the top 10 cryptocurrencies by market capitalization. This comprehensive guide explores XRP's technology, supply mechanics, competitive advantages over Bitcoin and Ethereum, investment considerations, and the implications of on