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XRP was created by high-profile payment processor Ripple , specifically to facilitate international currency transfers by banks, credit unions, fintechs and other financial institutions. A new block of transactions is compiled approximately every ten minutes. Because so many countries are researching ways to transition to digital currencies , it's important to understand what they are and what they mean for society. This means anyone can copy and tweak the code and create their own new coin �which many entities do for various reasons.

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