Although many people refer to XRP as Ripple, they are not the same. Ripple is actually a software company called Ripple Labs that developed the Ripple Consensus Ledger (RCL), a distributed ledger technology offering various payment solutions. XRP, on the other hand, is the native cryptocurrency of this ledger https://beaconsoft.net/do-you-know-these-facts-about-ripple-xrp-2/. The confusion arises because the company’s name is easier to remember and has become widely associated with the coin. XRP serves as a digital token to facilitate fast, low-cost cross-border transactions and is often considered a bridging currency that could replace USD in money conversions.