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The Ripple Transaction Protocol (RTXP) supports two types of coins: IOU and XRP. The bills consist of debt (that is, I owe you). XRP is encryption targeted primarily at financial institutions so they can convert their funds and transfer them quickly to other institutions around the world.
In terms of Ripple network performance, also known as RippleNet, an XRP transaction takes an average of 4 seconds and the network can process up to 1500 tx per second.
Some banks have already adopted the Ripple platform: Santander, Bank Axis, Bank Yes, Westpac, Credit Union, NBAD and UBS, for Ripple, banks can save an average of $ 3.76 per payment using the protocol their. Given that banks perform thousands or perhaps millions of transactions each year, this represents significant savings.
In its current state, Ripple is one of Fintech's most exciting organizations with its innovative financial platform, as Forbes even includes the Ripple
While large investors can invest directly in Ripple, most investors and speculators are limited to investing in XRP, the national currency of Ripple. XRP took off in value in 2017.

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