Risk is present in every part of human life. It affects in different ways and different areas and leaves positive or negative consequences. Risk arises for various reasons, most often due to frequent and rapid changes, which leads to a lack of certainty in decision-making. It is precisely this lack of certainty in decision-making that leads to the creation of risks. Risk management creates awareness of the existence of risk and undertakes activities to prevent and mitigate its consequences or use its existence to further improve its performance. The present presents a great challenge for companies. The rapid progress of technology, the pandemic, sudden economic, ecological and sociological changes set new norms to which the company must be able to respond. One example of technology changes namely in the financial sector, is cryptocurrency. This kind of change brings a lot of risks that will have a lot of impact in the coming years. Businesses will need to respond to this change if they are to survive and improve their operations. Ripple's XRP is one of the representative currencies. Ripple represents the name of the payment network and payment protocol. It was developed and published by Ripple in 2012. The aim of the protocol is to enable secure, almost free and instant global financial transactions.