If you've been looking for crypto investment opportunities outside of buying Bitcoin, you may have come across XRP. It's sometimes referred to as Ripple, but that's actually the name of the company that created it. Although XRP ranks in the top 10 by market cap, it's still far off the highs it reached in early 2018. It's also not available at most U.S. crypto exchanges due to an SEC lawsuit. Cryptocurrencies are usually high risk, high reward, but XRP is even riskier than the typical coin. Let's look at what it does and how to decide if you should buy any.