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XRP UPDATE: GARY GENSLER SINS AS THE SEC CHIR IS JUST BEEN EXPOSED BY XRP CTOXRP is a cryptocurrency used to facilitate transactions on the Ripple network, created by Jed McCaleb, Arthur Britto, and David Schwartz. Ripple (XRP) is a peer-to-peer powered cryptocurrency designed to work seamlessly with the Internet to allow a fast, direct and secure way to send payments. Ripple is an American company that issues a cryptocurrency known by the same name, using the ticker symbol XRP. It is an open payment network.