4. XRP (XRP)

The Bridge Between Worlds

XRP was designed to do one thing incredibly well: move money across borders instantly. At $1.14 per coin, it’s backed by institutional partnerships and banks actually want to use it. The problem? Ripple Labs controls the supply, which rubs crypto purists the wrong way. Plus, co-founder Chris Larsen sits on a massive pile of XRP worth billions, raising red flags about centralization.

[IMAGE: International payment or currency bridge concept]