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What is Ripple? XRP Explained with AnimationsRipple is a blockchain-based digital payment network and protocol with its own cryptocurrency called XRP. Shortly thereafter, they were joined by Chris Larsen, and the group started the Company NewCoin in September (quickly renamed OpenCoin and now named Ripple). History. Ripple was conceived by Jed McCaleb and built by Arthur Britto and David Schwartz who then approached Ryan Fugger who had debuted in as a financial service to provide secure payment options to members of an online community via a global network.