XRP is the token used by Ripple. As of October 2019, it was the third largest coin ranked by market capitalization. XRP has its doubters, mostly originating by its centralised nature and close partnerships with commercial banks. Out of the total 100 billion supply, the company owns roughly 60 billion. However, 55 billion are placed in a secure escrow. in order to remove the risk of a speculative attack. XRP was first issued in 2013.