Ripple's ecosystem includes RippleNet and the XRP Ledger (XRPL). RippleNet serves as an alternative to the SWIFT network, aiming to expedite cross-border fund transfers through blockchain technology. In contrast, the XRP Ledger is a decentralized, open-source blockchain that processes and verifies transactions. Two crucial components of the Ripple ecosystem are XRP and RippleNet. XRP, the native cryptocurrency, acts as a settlement layer, enabling smooth and efficient transactions within the network. Meanwhile, RippleNet, a payment network, has the potential to revolutionize cross-border transactions by replacing the current SWIFT messaging network.