Ripple-XRP, page-96

if you like XRP for fast transfers and low fees you could also look into Stellar XLM which is an offshoot of Ripple XRP...having a run at the moment too...
https://galactictalk.org/d/242-difference-between-ripple-and-stellar

Having said that the billions of coins for each is a concern for many..

Take Ripple for example:
https://ripple.com/insights/ripple-...ow-to-ensure-certainty-into-total-xrp-supply/
"We’ll use Escrow to establish 55 contracts of 1 billion XRP each that will expire on the first day of every month from months 0 to 54. As each contract expires, the XRP will become available for Ripple’s use. You can expect us to continue to use XRP for incentives to market makers who offer tighter spreads for payments and selling XRP to institutional investors."

That's the equivalent at present of just under 2 billion USD per month being put out there ...(by Ripple).