XRP is a speedy, less costly and more scalable alternative to both other digital assets and existing monetary payment platforms like SWIFT. The XRP Ledger is maintained by the global XRP Community, with Ripple the company as an active member. The XRP Ledger processes transactions roughly every 3-4 seconds as opposed to proof-of-work mining like Bitcoin (BTC). Anyone can run an XRP Ledger validator, and the list is currently made up of a diverse selection of entities including universities, financial institutions, exchanges, individuals and others.
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