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XRP is the native cryptocurrency of Ripple, the crypto payment system created by Ripple Labs Inc. XRP is a "digital asset built for global payments," implying that Ripple plans to rival money transfers usually conducted by the banking system. XRP will allow users to send money at a very low cost, attracting the potential interest of retail customers and banks alike. The key value proposition of Ripple is its negligible transaction costs while still offering transaction finality in less than five seconds.

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