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Ripple is a technology company that makes it easy to build a global payments system with high business performance. XRP is a standalone digital asset.
Ripple offers a payment and exchange network, RippleNet, aimed primarily at large customers such as banks, payment processors or exchanges. RippleNet works on an accounting database called XRP Ledger, which shares some validation processes with blockchains such as Bitcoin or Ethereum, but which works in a centralized way.
XRP is Ripple's cryptocurrency and is primarily used as a value instrument or to pay for the costs of operating on the network. In addition, it is considered one of the 10 most important cryptocurrencies in the ecosystem by market capitalization and one of the references in the sector, since each transaction operated through Ripple generates a burn of XRP, that is, an amount that is destroyed to help reduce the total supply of this cryptocurrency.
XRP Ledger is a network of accounting records that document the operations of the Ripple payment system.
It operates based on public and private keys, such as Bitcoin, although it does not support mining or distributed validation processes. Therefore, it is said that it is a centralized blockchain, because it depends on the company's control and authorizations.
