XRP is perhaps the biggest scam in the crypto world. The founders simply created a massive amount of coins out of thin air and then started to employ a large social media shill army to lure naive gamblers into buying their tokens.

They make money from new partnerships as their company share value increases and they make money from all the gullible people that buy their utterly useless tokens. In the end they will all (they are already) be rich and laughing and the fools will sit on worthless XRP.