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✏ XRP History: From Payment Token to Crypto Powerhouse
XRP was launched in 2012 as a fast and inexpensive tool for cross-border payments. Unlike BTC, all 100 billion tokens were issued immediately, and the XRP Ledger was originally designed for speed and minimal fees.
The project is closely linked to Ripple Labs — a fintech company that promotes XRP as a bridge between fiat currencies for banks and payment systems. This is what made XRP a "banking" asset and a source of ongoing debates about centralization.
Key price milestones:
• 2013–2014: <$0.01
• 2017–2018: growth above $3
• 2020–2024: pressure due to SEC lawsuit
• 2025: new ATH around $3.65 after the SEC case is resolved
The SEC lawsuit became the main obstacle to growth: delistings, uncertainty, and declining trust. After settlement in 2025, XRP returned to the focus of institutional investors.
Today, XRP is one of the largest crypto assets by market capitalization, with a clear role: infrastructure for global payments. This is a story not about ideology, but about integrating crypto into traditional finance.