XRP (XRP)

XRP leads institutional cross-border payments, currently trading at $1.41 (+0.8%) with an $86.5B market cap. It processes transactions in 4–5 seconds, outperforming #1 Bitcoin's settlement time by over 99%. Unlike Bitcoin's peer-to-peer model, XRP specifically targets banks and payment providers, achieving finality faster than the average wire transfer, which takes 1–3 days.