What is Ripple?

Ripple is a payment protocol and a Crypto Currency created in 2012. Unlike Bitcoin, Ripple transactions are virtually immediate and transferred instantly without the need to wait for confirmations. XRP is the code for the Ripple Crypto Currency and the market capitalization for Ripple is growing year over a year. Whilst XRP might not be as popular as Bitcoin - it is the only Crypto Currency that is centralized and if it ever becomes decentralzied its price could skyrocket just like Bitcoin did over the past few years.