In my opinion, Ripple or XRP is a network that allows sending currencies between two parties in a very fast time. In addition, Ripple is "blockchain centralized". And one way to get ripple is to buy it through an exchange.
And ripple also functions as a crypto currency and digital payment network for financial network payments.
And more interestingly, it seems that currently XRP is the only digital currency that has the support of the banking sector.