Can someone explain xrp to. Me like I’m 5?

Everyone keeps talking about the “crazy utility” of XRP and how it’s the main reason beginners like me should sell for 2x gains right now.

But here’s the thing—I don’t understand it. Unless someone can break it down in layman’s terms (simple enough for a complete newbie), does XRP’s utility even matter? If I can’t grasp what makes it special, can its so-called “utility” really hold any value?

This brings me to my second question:

In a crypto world where prices are dictated by market demand, how is Ripple (XRP) fundamentally more valuable than something like a meme coin (e.g., PEPE)? Let’s break it down:

Both XRP and PEPE seem top-heavy, meaning whales can heavily influence the market.

From the public’s perspective, they’re essentially just charts to follow and trade on.

So, what truly separates XRP from a “shitcoin” like PEPE? Is it just the hype, or is there a tangible, undeniable reason why XRP should hold more value?

I’m genuinely curious and open to learning, but I need it explained simply and clearly. No buzzwords, no hype—just the facts. Thanks in advance!