Ripple XRP Number two public blockchain by market cap, Nov 2018 Ripple is a company that uses XRP in some of its products, which are marketed to banks. RippleNet – The collection of three products. xCurrent – A full featured banking product for processing global payments. It tracks traditional local fiat currency and services used for liquidity. xVia – A no-install API with basic features that can be used instead of xCurrent xRapid – Enhances xCurrent or xVia by using XRP liquidity for lower costs XRP is a decentralized blockchain ledger, not owned by any company. Issued Currencies and Trust Lines are XRP features that allow tokens to be created on the XRP ledger. Does not use smart contracts