You may be surprised to know which cryptocurrency has had the best year so far.

When Bitcoin was created in 2009, it was seen as nothing more than a niche internet experiment. There are plenty of stories about people using the cryptocurrency to buy items like pizza, gift cards, or coffee (a decision they likely rue now).

But as Bitcoin became more popular, many other cryptocurrencies emerged. Some of these have legitimate use cases, and some can be viewed as nothing but a quick cash grab from their creators and early insiders. One cryptocurrency that falls into the former category is XRP ( XRP 2.24% ) .

XRP is a cryptocurrency that enables fast and cheap cross-border payments, and it has had a great run over the past 12 months, up over 390%. That's over five times the re

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