To exchange currencies, including the US dollar, XRP is used, as is the Ethereum blockchain. Settlement layer money The primary function of XRP is to act as a medium of exchange between two different currencies or networks. In 2012, it was founded with 80 billion XRP and has since developed into a worldwide payment system that performs billions of transactions every day. The business has deposited 55 billion XRP in separate escrow accounts as a precaution.

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