Ripple XRP

Institutional coins, network of smart contracts, removes 3rd party verification, reduces fraud and illegal activities.
The digital currency, XRP, acts as a bridge currency to other currencies. It does not discriminate between any fiat/cryptocurrency, which makes it easy for any currency to be exchanged for another.
XRP Provides Global Liquidity, backed by gold, part of the ISO20022 ecosystem.
ISO20022 is a worldwide industry standard that has been bought in to regulate the interchange of electronic data between financial institutions.

Ripple works on an open-source and peer-to-peer decentralized platform that helps in easily transferring various forms of fiat money, be it pound, dollars or rupees, or cryptocurrencies, like Ether or Bitcoin.
Its services included being a medium of exchange, international payment settlement and remittance system.
XRP is the digital asset native to the Ripple system. It is touted as being easy to use with almost free, instant transactions. Ripple is built upon distributed open source protocol, a consensus ledger and the aforementioned digital asset known as XRP.
Built for enterprise use, XRP enables real-time global payments anywhere in the world. XRP offers banks and payment providers a reliable, on-demand option to source liquidity for cross-border payments and has been increasingly adopted by banks and payment networks as settlement infrastructure technology.