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What Are Ripple and XRP?

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Ripple
Ripple is a company that created the Ripple Protocol as a payment system marketed to banks, non-bank financial institutions, crypto exchanges, etc. We also know Ripple as a fast and cheap alternative payment system. Transactions only take around 4 to 6 seconds to confirm. Transaction fees are only USD 0.00001.

XRP
XRP is a coin that is used as a transaction tool on the Ripple network system, so XRP functions as a mediator for fiat money and cryptocurrencies such as BTC, ETH, LTC, etc. XRP The current price of XRP is $0.623, Max supply is 100 billion, and XRP occupies the 6th position on Coinmarketcap. ATH $3.83 was reached in Jan 2018. In your opinion, is XRP a potential and promising coin for us to use as an investment instrument?
 
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