XRP is the native currency of the Ripple payment network, which is used to improve the efficiency and cost of cross -border payment. Ripple is a technology company that uses cryptocurrencies and blockchain technology to provide innovative solutions for financial institutions. Ripple's services include cross -border payment, encrypted liquidity management, and the implementation of the central bank's digital currency (CBDC). Through the Ripple solution, users can realize real -time settlement, liquidity management and acquisition of work capital. Ripple can also help achieve scalable, safe and sustainable CBDC to meet the central bank's high security standards.