XRP is an independent digital asset that is native to the XRP Ledger. With governance and fast transaction confirmations, XRP is said to be the most efficient settlement option for financial institutions and liquidity providers seeking global reach, accessibility, and fast settlement finality for interbank flows. According to Ripple, those who use the digital asset XRP to source liquidity can reportedly do so in seconds. The team at Ripple hopes to enable the world to move value like it already moves information on the web today.