Ripple's five-year legal battle with America's top securities regulator is officially over.

Decentralized cryptocurrencies like Bitcoin (CRYPTO: BTC) aren't controlled by any person, company, or government. They are earned through a process called mining , which involves using computers to solve complicated mathematical problems to help validate transactions on the blockchain.

But the XRP ( XRP -0.49% ) cryptocurrency is different because it's issued directly by Ripple, the company that created it. This arrangement caught the attention of the U.S. Securities and Exchange Commission (SEC), and the agency sued Ripple in 2020 alleging it breached financial securities laws.

The legal battle was ongoing until last Thursday, when the SEC officially agreed to settle the case in l

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