what is ripple

Ripple (XRP) is a technology company and digital payment network designed for fast, low-cost, cross-border transactions, often used by banks to settle currency transfers. It operates on the decentralized, open-source XRP Ledger, which uses the native XRP token for instant liquidity and settlement. 

Key Details About Ripple

Purpose:

Primarily targets financial institutions to improve cross-border payment systems

Technology: Uses the XRP Ledger (XRPL) to validate transactions, which is decentralized and does not require mining.

Speed: Capable of executing transactions in roughly 3-5 seconds, with a capacity of 1,500 transactions per second.

Distinction: Ripple (the company) and XRP (the digital asset) are distinct entities; Ripple holds a portion of XRP but does not control the ledger.

Compliance: Designed to be compliant with standards like ISO 20022, making it attractive for modernization by central banks. 

Other Meanings

Physical: A small wave or series of waves on the surface of water.

Metaphorical: A sound or feeling that spreads through a group (e.g., a "ripple of applause.

Historical: A brand of fortified wine. 

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become lightly ruffled or covered with small waves. b. : to flow in small waves. c. : to fall in soft undulating folds. the scarf rippled to the floor. ...

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