Ripple is an online payment system that provides instant, concise, and low-cost international payments. Ripple enables banks to make international and cross-border payments on an ongoing basis, with lower transparency and lower costs. The digital currency, which entered the market in 2012, currently has a market value of $ 1.26 billion. The construction system does not need to be extracted, and is different from bitcoin and other currencies due to this feature. Since Ripple's structure does not need to be extracted, it reduces the power consumption of the calculation and minimizes network latency. Ripple believes that value distribution is a powerful way to encourage certain behaviors, and so now it intends to distribute XRP basically through business development deals, and thus provide incentives for liquidity providers that provide more limited scope for payments. And sells XRP to buyers interested in investing in XRP.