Powering the Future of
Cross-Border Payments
XRP is the digital asset built for global payments, enabling fast, low-cost transactions across borders.
The Digital Asset for Global Finance
XRP was engineered from the ground up for financial institutions and payment providers. It settles cross-border transactions in 3-5 seconds at a fraction of a cent, replacing the slow, expensive rails of traditional banking.
Security Notice
Protect your wallet and recovery phrase
Ripple Support will never ask you for your recovery phrase, private keys, or password. Anyone who requests this information is attempting to steal your funds. Ripple does not run giveaways. Stay safe.
Never Share These
Safe Practices
- Always verify URLs — the official site is the only place to enter credentials.
- Store your recovery phrase offline — write it on paper, never on your phone or cloud storage.
- Enable two-factor authentication (2FA) on every account you use.
- Never click links from unsolicited emails, DMs, or messages claiming to be Ripple support.
- Double-check every wallet address before sending — crypto transfers cannot be reversed.
- Bookmark the official site — never search for it, since fake ads appear at the top of results.
Report suspicious requests immediately through live chat. If you ever shared your recovery phrase, move your funds to a new wallet immediately.
XRP Resources
What is XRP? A Complete Guide
XRP is a digital asset created in 2012 by Ripple Labs, designed specifically for fast, low-cost international money transfers. Unlike Bitcoin, which relies on energy-intensive mining, XRP operates on the XRP Ledger — an open-source blockchain that settles transactions in just 3-5 seconds using a consensus protocol.
XRP serves as a bridge currency, allowing financial institutions to convert one fiat currency to another without pre-funding accounts in destination countries. This drastically reduces costs and settlement times compared to traditional systems like SWIFT.
With a fixed supply of 100 billion coins and no mining, XRP is deflationary by design — a small amount of XRP is destroyed with each transaction to prevent spam, slowly reducing total supply over time.
How to Buy and Store XRP
Buying XRP: Purchase on major exchanges like Binance, Coinbase, Kraken, or Bitstamp. Create an account, complete identity verification, deposit funds, then buy XRP on the spot market.
Storing XRP: For long-term holding, use a hardware wallet like Ledger Nano or Trezor — these store your private keys offline. For active trading, use Xumm or Trust Wallet.
Security essentials: Always enable two-factor authentication, use a unique strong password, and never share your recovery phrase with anyone.
XRP Ledger: The Technology Behind XRP
The XRP Ledger (XRPL) is a decentralized, open-source blockchain launched in 2012. It uses the XRP Ledger Consensus Protocol — where a network of independent validators vote on transaction order, achieving settlement in 3-5 seconds without mining.
Key features: 1,500 transactions per second capacity, $0.0002 average transaction fee, and energy consumption less than a single email.
Sustainability: The XRP Ledger is carbon-neutral and has processed over 90 million transactions with 99.9% uptime since launch.
XRP vs Traditional Payment Systems
Speed: SWIFT transfers take 3-5 business days. XRP settles in 3-5 seconds. That's roughly 100,000x faster.
Cost: Traditional wires cost $25-$50 per transfer plus hidden FX markups. XRP transactions cost less than a penny.
Availability: Banks close on weekends. XRP runs 24/7/365 — no downtime, no delays.
Transparency: Every XRP transaction is publicly verifiable. Bank transfers operate behind closed doors.
XRP/USD Live Price
Real-time price data from Binance
Meet the Founders
The visionaries behind Ripple and the XRP Ledger — building the infrastructure for the future of global payments.
Chris Larsen
Co-Founder & Executive Chairman
A pioneer in the fintech space, Chris co-founded Ripple in 2012 to revolutionize cross-border payments with blockchain technology. He previously founded Prosper, the first peer-to-peer lending marketplace in the United States, and E-Loan, an early online consumer lending platform.
Jed McCaleb
Co-Founder & CTO
A visionary technologist, Jed co-founded Ripple and built the foundational architecture for the XRP Ledger. Before Ripple, he created eDonkey2000, one of the most widely used peer-to-peer file-sharing networks, and co-founded the now-defunct Mt. Gox Bitcoin exchange.
Arthur Britto
Co-Founder
Arthur co-created the XRP Ledger, contributing to the core consensus protocol and cryptographic technology that makes XRP one of the most efficient digital assets for global payments. His work laid the technical foundation for Ripple's institutional payment network.
David Schwartz
Chief Technology Officer
David is one of the original architects of the XRP Ledger and leads Ripple's technology team. A renowned cryptographer and distributed systems expert, he has spent his career solving complex problems in consensus algorithms, digital identity, and decentralized finance.
Live XRP Converter
Real-time conversion between XRP and 40+ major cryptocurrencies and fiat
Why Choose XRP
Built for speed, scale, and real-world financial utility — here's what makes XRP the most practical digital asset for global payments.
3-5 Second Settlements
Transactions confirm in under 5 seconds — no waiting for confirmations, no delays. Real-time settlement for real-world payments.
Near-Zero Transaction Fees
Average transaction fee under $0.001. Send any amount — $10 or $10 million — for less than the cost of a single email.
Global Cross-Border Payments
Send money to over 180 countries in seconds. No correspondent banks. No delays. No markup on exchange rates.
Trusted by Financial Institutions
Used by banks, payment providers, and money transfer services in 300+ institutions worldwide — including Santander, SBI, and MoneyGram.
Secure & Decentralized
Runs on the independent XRP Ledger with 150+ validators globally. Zero downtime, zero hacks since 2012.
Sustainable & Scalable
Carbon-neutral network. 1,500 transactions per second capacity. Energy consumption less than a single household email.
Global Reach
XRP is used by financial institutions, payment providers, and individuals across the globe — powering real settlements in every major currency.
75,000,000,000+
Verified Transactions Settled
About Ripple & XRP
Ripple is a technology company that develops solutions for global payments. Its native digital asset, XRP, is designed to be the most practical cryptocurrency for financial institutions and payment providers worldwide. XRP enables instant, low-cost cross-border transactions, making it a key player in the future of global finance.
Founded in 2012 by Chris Larsen, Jed McCaleb, and Arthur Britto, Ripple has grown into one of the most influential companies in the blockchain industry. The XRP Ledger, the open-source blockchain on which XRP operates, has been recognized for its speed, scalability, and sustainability — processing transactions in just 3-5 seconds with minimal energy consumption.
XRP serves as a bridge currency, facilitating seamless conversion between different fiat currencies and enabling financial institutions to settle international payments in seconds. With a focus on real-world utility, XRP is positioned to become the backbone of the global payments infrastructure.