Hi! Ripple is payment protocol and digital currency that aims to facilitate fast and low-cost cross-border transactions. Unlike Bitcoin, which relies on a decentralized blockchain, Ripple operates on a unique technology called the Ripple Protocol Consensus Algorithm (RPCA). This link, https://marketbusinessnews.com/financial-glossary/ripple-payment-protocol-definition/, provides a comprehensive definition and detailed insights into how Ripple works. It's designed to enable secure and almost instant international transfers, making it a compelling choice for financial institutions and businesses.