XRP قیمت

XRP is a digital currency created in 2012 by Ripple Labs. It's designed to facilitate fast and low-cost international money transfers. Unlike Bitcoin, XRP isn't mined; all 100 billion tokens were pre-mined at launch. 

Transactions settle in 3-5 seconds, making it efficient for cross-border payments. Financial institutions use XRP as a bridge currency to exchange different fiat currencies quickly. Its low transaction fees and scalability make it suitable for high-volume transactions. 

However, XRP's association with Ripple Labs has led to regulatory scrutiny, including a lawsuit from the U.S. Securities and Exchange Commission (SEC) in 2020. Despite this, XRP remains among the top 10 cryptocurrencies by market capitalization.

Learn more about XRP tokenomics in our research report.

XRP is a digital asset designed to facilitate fast, cost-effective cross-border transactions. It operates on the XRP Ledger (XRPL), an open-source, decentralized blockchain developed in 2012 by David Schwartz, Jed McCaleb, and Arthur Britto.

Key Features of XRP and the XRP Ledger

> Consensus Mechanism: Unlike Bitcoin's proof-of-work system, the XRPL uses the Ripple Protocol Consensus Algorithm (RPCA). This consensus protocol relies on a network of trusted validators that agree on the validity and order of transactions, enabling rapid and energy-efficient processing.

> Transaction Speed and Cost: XRP transactions are settled in approximately 3 to 5 seconds, making it one of the fastest digital currencies available. The transaction fees are minimal, often costing a fraction of a cent, which is advantageous for both individuals and financial institutions.

> Scalability: The XRPL can handle up to 1,500 transactions per second (TPS), significantly higher than many other blockchain networks, ensuring it can accommodate a growing number of transactions without compromising performance.

> Pre-Mined Supply: All 100 billion XRP tokens were created at inception, with no ongoing mining process. A significant portion of these tokens is held by Ripple Labs, the company behind XRP, with periodic releases to fund operations and promote liquidity.

XRP’s Use Cases

1. Cross-Border Payments: XRP serves as a bridge currency, enabling quick and cost-effective international money transfers by providing liquidity between different fiat currencies.

2. Liquidity Provision: Financial institutions utilize XRP to source liquidity on-demand, reducing the need for pre-funded accounts in cross-border transactions.

In summary, XRP and the XRP Ledger offer a robust solution for efficient, scalable, and low-cost financial transactions, particularly in the realm of cross-border payments.

In 2011, engineers David Schwartz, Jed McCaleb, and Arthur Britto began developing the XRP Ledger (XRPL) to create a more efficient and sustainable digital asset tailored for payments. By June 2012, the XRPL was launched. Shortly thereafter, Chris Larsen joined the team, and together they founded a company initially named NewCoin in September 2012, which was soon renamed OpenCoin and eventually became Ripple.

Development and Evolution

> 2012: The XRP Ledger was launched, introducing XRP as its native currency. The founders gifted 80 billion XRP to the company, with Ripple placing the majority in escrow to ensure a controlled release over time.

> 2013: OpenCoin rebranded to Ripple Labs. The company focused on developing its open payments network to facilitate faster and more cost-effective cross-border transactions.

> 2014-2015: Ripple Labs secured partnerships with several financial institutions, aiming to integrate its technology into traditional banking systems. In 2015, the company raised $28 million in a Series A funding round and received a $4 million strategic investment from Santander.

> 2018: Ripple's technology gained traction, with over 100 banks signing up to explore its payment solutions. However, many institutions opted to use Ripple's messaging technology, xCurrent, while avoiding the XRP cryptocurrency due to concerns over volatility.

> 2023: Ripple acquired Switzerland-based crypto custody firm Metaco for $250 million, expanding its services to include digital asset custody solutions. Additionally, Ripple received approval for a license from the central bank of Singapore to offer regulated digital payment token products and services.

Ripple and XRP’s Developments in 2024 

> SEC Lawsuit Resolution: Ripple secured a partial victory in its legal battle with the U.S. Securities and Exchange Commission (SEC), with a court ruling that XRP sales to retail investors were not securities. This decision provided greater clarity for XRP's regulatory status, boosting market confidence and adoption.

> Tokenized Asset Expansion: Ripple announced a collaboration with Archax to tokenize hundreds of millions of dollars in real-world assets on the XRP Ledger, showcasing the platform's potential for asset tokenization.

> On-Demand Liquidity (ODL) Growth: Ripple expanded its On-Demand Liquidity services to additional corridors, including several in Asia and the Middle East, reinforcing XRP's utility in cross-border transactions.

> Ecosystem Development: The XRP Ledger witnessed increased activity with the launch of new decentralized finance (DeFi) protocols, NFTs, and enterprise-focused solutions, demonstrating the ecosystem's growing diversification.

> New Banking Partnerships: Ripple secured additional partnerships with global financial institutions, including major banks in Africa and South America, further solidifying its position in the payments industry.

> Introduction of RLUSD Stablecoin: Ripple introduced RLUSD, a dollar-pegged stablecoin launched on the XRP Ledger. RLUSD aims to provide stability for transactions and trading within the ecosystem, addressing volatility concerns for users and businesses. Its seamless integration with the XRP Ledger further expanded Ripple's offerings in the digital payments space.

Ripple’s Roadmap and Vision

Ripple's vision centers on revolutionizing cross-border payments by providing a decentralized, fast, and cost-effective infrastructure. The company continues to develop and enhance the XRP Ledger to support institutional-grade financial use cases, including tokenization of real-world assets and decentralized finance (DeFi) applications. In June 2024, Ripple announced a collaboration with Archax to bring hundreds of millions of dollars of tokenized real-world assets onto the XRP Ledger, underscoring its commitment to expanding the utility of its platform.

In summary, Ripple and XRP have evolved from their inception in 2012 to become pivotal components in the blockchain and digital payments landscape, continually striving to innovate and integrate with traditional financial systems.

XRP is a digital asset designed to facilitate fast, cost-effective cross-border transactions. Its primary use cases include:

> Cross-Border Payments: XRP acts as a bridge currency, enabling instant and affordable international money transfers by providing liquidity between different fiat currencies.

> Liquidity Provision: Financial institutions utilize XRP to source liquidity on-demand, reducing the need for pre-funded accounts in cross-border transactions.

> Tokenization: The XRP Ledger supports the creation and management of various digital assets, including stablecoins and non-fungible tokens (NFTs), facilitating diverse financial applications.

Additionally, you can also trade XRP coin on the KuCoin Spot Market based on your research, investment goals, and risk tolerance. Buy, sell, or HODL $XRP in your crypto portfolio. 

XRP's tokenomics encompass its creation, distribution, and supply management, all of which are integral to its function within the Ripple ecosystem.

Creation and Initial Allocation

In 2012, the XRP Ledger was launched with a fixed supply of 100 billion XRP tokens, all pre-mined at inception. The founders received 20% of this supply, while the remaining 80% was allocated to Ripple Labs to support the development and expansion of the ecosystem.

Escrow Mechanism

To manage the release of XRP into the market and ensure a predictable supply, Ripple placed 55 billion XRP into escrow accounts in 2017. These escrows are programmed to release up to 1 billion XRP monthly. Any unused XRP at the end of each month is returned to escrow, effectively extending the release schedule.

Deflationary Aspect

XRP exhibits a deflationary characteristic through its transaction fee structure. Each transaction on the XRP Ledger incurs a minimal fee, typically a fraction of a cent, which is subsequently burned (permanently removed from circulation). This mechanism reduces the total supply of XRP over time, albeit at a slow rate.

Current Supply Dynamics

As of November 2024, approximately 56.9 billion XRP are in circulation, with the remaining tokens held in escrow or by Ripple Labs. The controlled release from escrow and the deflationary transaction fees contribute to the gradual increase in circulating supply while maintaining market stability.