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XRP is the native cryptocurrency for products developed by Ripple Labs. Its products are used for payment settlement, asset exchange, and remittance systems that work more like SWIFT, a service for international money and security transfers used by a network of banks and financial intermediaries. XRP is pre-mined and uses a less complicated method of mining as compared to Bitcoin. In news reports, XRP and Ripple are often used interchangeably. Both are actually different. Ripple is the name of the company and network behind the XRP cryptocurrency. In short, the XRP coin is like the Western Union or Moneygram of the crypto industry – it facilitates the movement of across borders.

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