<ul data-eligibleForWebStory="true"><li>XRP, created in 2012 by Ripple Labs, serves as a bridge currency for international payments with fast transaction speeds and low costs.</li><li>Unlike Bitcoin, XRP is not mined but has all its tokens pre-mined, enabling quicker transactions and lower energy usage.</li><li>XRP's consensus protocol relies on a Unique Node List (UNL) instead of mining, leading to debates about its degree of decentralization.</li><li>XRP's primary focus is on payments, aiming to revolutionize cross-border transfers, facing regulatory scrutiny especially in the U.S.</li></ul>

How XRP Is Different From Other Cryptocurrencies

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