Ripple is considered as the only enterprise blockchain solution for global payments. It serves as a connection to banks, corporates, and payment providers though the RippleNet in providing a solution to sending money across the world. It is built on the most innovative blockchain technology to provide access to the most innovative payment solutions.
Ripple is designed to provde these top three solutions:
1. Process Payments – implemented via xCurrent to process global payments of customers
2. Source Liquidity – implemented via xRapid to source on-demand liquidity
3. Send Payments – implemented via xVia to directly plug into RippleNet to send payments
Some of the major payment providers such as MoneyGram, Cuallix, IDT, and MercuryFX has adopted the XRP since January 2018.
There will always be 21,400,000 Zcoins. Zcoin follows the same halving cycle (halving of block rewards) as Bitcoin (every 4 years).
The XRP ledger is not centralized. If the Ripple does not exist, the XRP would still exist.