What’s the Hype About XRP and Should I Hold It Long-Term?

XRP settles cross-border payments in three to five seconds for a fraction of a cent, targeting a $150 trillion annual market. Ripple's network uses XRP, but only about 40% of institutions on the network utilize the token. XRP has held a top-10 spot by market cap since 2014, despite its price not reflecting Ripple's growth.