05

XRP

Entered the market: 2012 Issuer: Ripple Market cap: US $ 82.69bn CEO: Brad Garlinghouse

XRP was specifically engineered to revolutionise the way the global banking sector handles cross-border payments. By acting as a liquidity bridge, it allows financial institutions to settle international transactions in seconds rather than days, at a fraction of the cost of traditional systems like SWIFT. Despite navigating complex regulatory challenges, Ripple’ s technology remains a cornerstone of the fintech-crypto intersection, demonstrating how distributed ledger technology can be integrated into legacy systems to improve global financial efficiency and liquidity. 40 March 2026