XRP Clone: What It Is, Why They Exist, and Which Ones Actually Matter

When people talk about an XRP clone, a cryptocurrency project built to mimic Ripple’s XRP token and its focus on fast, low-cost cross-border payments. Also known as Ripple alternative, it tries to replicate the same speed and institutional appeal without relying on Ripple Labs. There are dozens of them—some launch with big marketing, others slip in quietly. But here’s the truth: most XRP clones are just copies with new logos. The real ones? They fix what XRP got wrong.

What’s wrong with XRP? It’s centralized. Ripple controls most of the supply, and its network isn’t fully open. That’s why developers built XRP fork, blockchain projects that take XRP’s code and rebuild it with decentralized governance and open node access. These forks aren’t just rebranded tokens—they change how validators work, who controls the ledger, and how transactions are confirmed. Then there’s the blockchain payment token, a broader category of coins designed specifically for global money transfers, not just speculation. XRP clones fall into this group, but so do others like Stellar (XLM) or even newer Layer 1 chains trying to outperform XRP’s 3-5 second settlement time.

Why do these clones keep appearing? Because banks and payment processors still want what XRP promised: instant settlements with near-zero fees. But they don’t want to trust a single company. So they look for alternatives that are open, transparent, and not tied to legal battles. The best XRP clones don’t just copy the tech—they improve it. They add smart contract support, better privacy features, or real-world partnerships that XRP never landed.

What you’ll find in this collection isn’t a list of every fake token that popped up last year. It’s a curated look at projects that actually tried to solve the problems XRP can’t—or won’t. You’ll see how some clones failed hard, others vanished overnight, and a few quietly gained traction by focusing on real users, not hype. No fluff. No promises of moonshots. Just what works, what doesn’t, and why most XRP clones will never be more than a footnote.