Leaderboard

Fits and starts guys. There's a lot of noise out there so I understand it can be frustrating and confusing. Our path was never going to be a short one. We work with enterprises so the pace is slower but the payoff will be worth it. What I would say, it's a little disappointing to hear complaints about XRP not appreciating fast enough, as if it were simply some get rich quick scheme. I don't mean to sound naive, but it's such a stark difference to how I and everyone else at Ripple thinks about XRP. Our vision is literally world changing, and the last thing we are worried about is the price going up. That's a forgone conclusion if we continue to focus on the work, which is exactly what we're doing.

No small people, no big people. Just a bunch of people crazy enough to throw caution to the wind and try to do something that's never been done before. Fwiw, this community is incredibly important to Ripple's success and is a real motivator to many of the folks at Ripple. Thank you for all the support!

I'm always watching =)

As stated in my conversation, I noticed this change when I studied Ripple's progression. Confirmation is rewarding. Notice his use of "massively?" He has also said XRP price will go up massively when FIs start to source XRP. This is the plan. It would solve liquidity. all trials and PoCs up to this point have used "house money." As Dilip Rao has said, they are done with PoCs. Everyone knows it works now. My opinion is we will all know when they are about to go live. it will be a big event including multiple banks. The size of sourcing will be controlled, but still large compared to our retail purchases. This will squeeze supply and coupled with our frenzy, demand will go up "massively." HODL! This is all my opinion. do your own due diligence, Dont invest more than you can afford to lose. I could be wrong.

It would also be 100% of the wrong thing. It would be like speculating if email could ever capture the volume of postal mail. Sure, if you were pitching email, you'd say that it has all the same use cases of postal mail. And someone would respond that it's not good for packages and the recipient can't physically store it. They might go on to say that maybe, at the most, 85% of postal mail doesn't absolutely require physical delivery, so maybe if email was ubiquitous it could capture 85% of postal mail's volume. But that would so obviously be very silly. To think of email as "like postal mail, but faster and cheaper" misses the extent to which being much faster and much cheaper fundamentally changes something. So, yes, at first you think of email as "if the other person has email, and you don't need physical delivery, it's faster and cheaper than physical mail", just as we think of XRP the same way today compared to conventional international payments. But I don't think any of us can predict where it will actually go.

Hi, I'm korean The ripple coin responded today. why? This is a rumor and it is not true yet. Kakao is a big company in Korea. kakao has created a new bank. That 'kakao Bank' The kakao bank has the advantage that it is very cheap to send money abroad. It is rumored that the kakao bank uses ripple technology. It may be rumor but it is a big rumor now in Korea. This may be true. 1. In kakao Bank's overseas remittance, the commission is 8,000 krw for Japan, Thailand and the Philippines. Do you know what's suspicious? Japan, Thailand and the Philippines ! Currently Japan and Thailand are using the first ripple transfer. 2. kakao Bank uses City group's WorldLink network City group is currently a member of R3 and R3 is collaborating with Ripple. https://ripple.com/insights/ripple-and-r3-team-up-with-12-banks-to-trial-xrp-for-cross-border-payments/ If this turns out to be true, you can expect a big rise. Now Koreans are looking forward to it.

This tweet was just sent out by Emi Yoshikawa from Ripple:

CONTEXT: this is to address the speculation on a possible joint Ripple/Gates Foundation announcement The Gates Foundation So what is the Gates Foundation? Going off it's Wikipedia web page, the Bill & Melinda Gates Foundation, also known as the Gates Foundation, is a private foundation founded by Bill and Melinda Gates. It was launched in 2000 and is said to be the largest transparently operated private foundation in the world. The foundation has a number philanthropic goals with one being, https://www.gatesfoundation.org/What-We-Do/Global-Development/Financial-Services-for-the-Poor So what is one of the GF's strategy in accomplishing this? Targeting the Digital Payment Systems, https://www.gatesfoundation.org/What-We-Do/Global-Development/Financial-Services-for-the-Poor The Ripple/Gates Foundation Connection Is there any connection between Ripple and the Gates Foundation? Well...... Besides the occasional Ripple Insight articles on the Gates Foundations progress on connecting people to financial services, the GF themselves have had their eye and interest on Ripple. Bill Gates himself has noted the significance of distributed financial technologies such as Ripple as a model to connect the world to financial services. https://ripple.com/insights/why-bill-gates-believes-2016-will-be-the-year-of-financial-inclusion/ Within the Gates Foundation, there is an individual by the name of Konstantin Peric that shares an interest on Ripple due to his position in the GF. Peric is the deputy director of the Financial Services for the Poor team that focuses on digital payments. He oversees the strategy and grants to deliver digital payment solutions for the poor with current focus countries including Nigeria, Indonesia, Pakistan, India, Bangladesh. https://www.gatesfoundation.org/What-We-Do/Global-Development/Financial-Services-for-the-Poor/Strategy-Leadership/Konstantin-Peric Just like Bill Gates, Peric has been previously covered on Ripple Insights for his work. https://ripple.com/insights/kosta-perics-mission-to-reach-the-unreachable/ Peric himself has mentioned Ripple in a Newsweek article pertaining to "How Financial Inclusion Could Add $3.7 Trillion to the Developing World". In the article Peric explains one of the challenges they face is clearing and settlement between different providers. Explaining that the current financial system has a great deal of friction. He goes on to say, and then specifically mentions Ripple http://www.newsweek.com/financial-inclusion-could-add-37-trillion-developing-world-528462 Kosta has also been seen tweeting Ripple related news, The SouthEast Asian Enviornment As mentioned previously, Peric has a focus on countries that include Indonesia and India. India in particular has been undergoing some drastic changes within the country. Over the course of a night, Indian citizens woke up to the news that Indian Prime Minister Narendra Modi had declared that the 500 and 1,000-rupee notes were no longer legal tender. The implications were great as http://www.business-standard.com/article/economy-policy/86-of-currency-by-value-in-india-are-of-rs-500-rs-1-000-denominations-116110801416_1.html https://www.forbes.com/sites/patrickwwatson/2016/12/01/indias-demonetization-could-be-the-first-cash-domino-to-fall/#425f3dd463db As a result, it has pushed the usage of digital payments in the country. Meanwhile, two nation wide movements have been undergoing for years now. India attempting to build the largest biometric centralized database (Aadhar) in the world and it's financial sector exposing itself and trialing blockchain technology. http://www.nytimes.com/2011/09/02/world/asia/02india.html https://qz.com/1034358/ubi-and-automation-could-be-the-symbiotic-solution-for-displaced-workers/ Both movements are converging in a particular area in association to including the low income population of the country, the cellphone. A huge initiative behind publicly registering oneself into the biometric database (Aadhar) for the poor is the capability to purchase a cell phone and open a bank account once a digital identity has been created for the individual. On the blockchain end, different Indian financial institutions have been experimenting different systems utilizing blockchain technology. In an excerpt of an article written by Saurabh Agrawal, Co-Founder & CEO, Zebpay, he goes to say: https://www.siliconindiamagazine.com/viewpoint/ceo-insights/the-indian-tale-of-blockchain-digital-payments-nwid-7517.html With the launch of the Unified Payment Interface in India, it allowed banks to transfer money directly to one another based on a single identifier, such as the Aadhar number. https://www.washingtonpost.com/news/innovations/wp/2017/01/23/what-the-u-s-can-learn-from-indias-move-toward-a-cashless-society/?utm_term=.53085c17ae64 The End Goal? So let's try to tie things together. The Gates Foundation, thru Peric, is involved in connecting poor and rural areas of India to the finacial system. While the country on it's end has begun to close the gap by being proactive and implementing different policies in regards to the inclusion of the poor into the financial system. All nicely tied by cellular devices. So where is Ripple in all this? Other than bringing some of the major Indian banks into the network, there has been one interesting development. https://www.indianweb2.com/2017/07/15/makers-indias-upi-app-bringing-ripple-technology-india/ There also has been some recent developments in regards to the ILP as well, We also know thru the Japanese consortium of banks, there has been the development of a mobile application. https://ripple.com/insights/sumitomo-mitsui-banking-corporation-and-japan-post-bank-join-sbi-ripple-asias-bank-consortium/ While new Ripple job positions have been opening in India with Dilip Rao relocating into the region to be more engaged on something. I wonder what our friend Kosta Peric has been tweeting about.... (on a side note, Modi and Shinzo Abe are close. from what we hear about the Japanese government and it's financial system...... )

https://blockchain.works-hub.com/blog/XRP-We-Will-Persuade-the-Masses- I guess they were impressed by this one, but I'll remind them that they can reprint my other ones as well. FYI - all of my entries can be found if you just copy/paste this generic blog address: https://xrphodor.wordpress.com/ Basically, scroll down to go backwards in time!

Here's a high level view that doesn't get bogged down in the details: Say I receive an international payment and then I want to send the money out using a domestic wire transfer. My bank either has to lend me money or wait until the international payment results in settled funds that it can use to fund the domestic wire transfer. If we want that to happen in seconds or minutes, the result of the international payment has to be that I now own some funds that were already wherever my bank needed them to be for me to send a domestic wire. So say the payment is from Thailand, and we want it to complete and settle instantly. That means someone will take ownership of the sending funds in Thailand. And someone in the United States will give me ownership of US funds that were already where my bank needs them to be. How will the person who gives up the US funds be compensated? And how will the person who takes the funds in Thailand pay for them? That's where XRP comes in. Why XRP? Because it can move in seconds, participate in conditional atomic transfers, has low fees and high throughput. But more importantly, there's a revenue model for Ripple to *make* it work for this application.

The rise of bitcoin is a strong reminder to banks that cryptocurrency is not going away. And that it moves even faster than even crypto enthusiasts held for possible. Banks will realize that they won't have ten years anymore to figure all this out. There's no time for pilots anymore, they've got to move their fat lazy asses and start implementing the future, or be history. Yet a simple calculation on a napkin can demonstrate that bitcoin is not scalable enough (Lightning Network is no solution, and threatens the security model) to serve as a global currency. And has big governance problems. That first bitcoin fork is not going away and will keep reminding to that problem, louder and louder. More forks will follow. Mining is centralized in China, and is bad for the environment. Then there's the reputation problem. Don't let the price increase of bitcoin fool you, Bitcoin has huge problems. Enter Ripple. The best funded crypto company in the world. It's solution is proven, undeniably the most scalable, undeniably the best regulated, undeniably the most energy efficient, undeniably the best governed, they have a phone number, and their solution can be implemented in three months. Don't forget: the world's money is at the banks. That money will decide what will be the new world currency. It's going to be Ripple. I repeat: I will eat John McAfee's **** on national television when XRP is not worth $20 in 3 years. That's being conservative. Make trade, not war.

I hope it's not a secret, but today, I setup my Bitgo multisign XRP wallet, sent XRP to it, send XRP from it, all worked smoothly, no issues. I'm very impressed with the product.

This is my latest blog entry; I discuss the scalability issues with Bitcoin and Ethereum - focusing in on block size and scalability in general. Feel free to leave positive or negative feedback here, and please feel welcome to share or link to my blog as much as you like! My blog announcements on other media: Reddit Twitter Bitcointalk

That's one of the reasons I try to come up with a new way to explain it each time rather than just referring people to other places where I've already explained it. There are so many possible way to answer the same question and we want to get all of them out there. Different answers will click for different people because they all had slightly different things in mind when they asked the question.

Setting the stage (2 unique audiences): Ripple is implementing and showcasing a cross-border currency exchange solution in/with some of the world’s largest banks and financial government agencies. Their solution rivals all other solutions presently in use or available on the market. The solution can be used with or without XRP and to the dismay of many XRP holders, it appears that in many of these implementations/partnerships, XRP is not being initially implemented nor is it the focus of the infrastructure they are standing up across the globe. Here, it would appear that Ripple is clearly telling XRP holders that as a company they have built a solution capable of reaching into every corner of the globe with the potential of utilizing XRP but for the time being are focused on building a global infrastructure based on deep trust and solid business relationships with the world’s largest financial entities. As a result, XRP holders don’t see the motivation for global banks to acquire XRP at this time and are wondering if Ripple is missing the bigger picture. At the same time, Ripple is also very focused and working on a solution for cross-border exchange corridors for emerging markets and exotic currency payment providers and other financial institutions who want to minimize liquidity costs. Because payments into emerging markets often require pre-funded local currency accounts around the world, liquidity costs are high. Much to the delight of XRP holders this solution uses XRP and is powered by XRP. Here, it would appear that Ripple is clearly telling XRP holders that as a company they are building a solution capable of reaching into every corner of the globe, however, one that uses XRP. In this case Ripple is also focused on building a global infrastructure based on deep trust and solid business relationships with some of the world’s largest outlying financial organizations. As a result, XRP holders see the motivation for these global outliers to acquire XRP and are wondering how XRP liquidity will be achieved and how Ripple could possibly bring both of these two distinct audiences together within the bigger storyline. Introducing the players (2 unique casts): There are 164 currencies circulating around the world across 197 countries. The Euro and USD are exchanged by 46 countries. This leaves the exchange of 162 currencies across 151 countries outside of the Euro/USD payments platform. Could XRP become the basis for their global payment platform? Read on to find out. The first audience described above using the solution without XRP for the time being would be what I call the Euro/UDS audience. They are monolithic and slow to change and have deep ties with SWIFT and many financial government agencies. Fortunately, Ripple has been given a seat at the table and is bringing significant cost saving to this audience. Ripple has gained their trust and has established the infrastructure on which they will operate in the future. This audience is also well aware of what XRP can do for them on their new platform but all in good time. The second audience described above using the XRP based solution would be what I call the 162 currencies audience. They use exotic currencies, do not have access to exchange liquidity, don’t use SWIFT, are eager to adopt new technology, have larger world populations than the Euro/UDS audience, work in 151 different countries around the world and want to participate in the Internet Of Money. Story Plot Line (What Ripple is not telling XRP holders) Ripple joins the family of global Euro/UDS players and puts in place all of the plumbing through which XRP will be able to flow in the future. Ripple then opens its arms to embrace 162 currencies and 151 countries that are not in this family so that they can transact and do business transactions via cross-border currency exchanges thus opening up massive markets and payment opportunities between these 151 countries. The Euro/UDS players see what is going on up and down and back and forth across the “corridors” and then very quickly will want to participate as a player on their stage (since they already have the plumbing in place) in order that the Euro/USD currency can participate in many new markets and does not lose its dominance as a currency on the world stage. The 162 currencies audience now has access to the Euro/USD markets AND “All is well that ends well” – Shakespeare. Country/Currency source material: https://www.countries-ofthe-world.com/world-currencies.html

http://www.sbigroup.co.jp/english/investors/disclosure/presentation/pdf/170727presentations.pdf Page 72-79 is world class!!

https://www.reddit.com/r/Ripple/comments/6qlxn0/thai_bank/?st=J5RNFT63&sh=0ed7dcb5

http://www.thecorporatetreasurer.com/Article/ripple-is-making-waves-but-will-it-become-a-tsunami/438916 This article is from CorporateTreasurer.com but due to having to register, I thought I would just paste the article text. I will leave it up to @karlos to decide if it stays. It has some very interesting quotes from Ripple employees. The text of article is below- <snip>

I guess you either missed the last sentence in the article, or you're trolling. To keep the FUD from spreading, let me be very clear: Yes, up until now, Ripple servers have only trusted validators under Ripple's operational control. But that was never supposed to be permanent and will be changing now that a wide and more diverse network of robust validators is online. This is not new: Ripple had previously committed to trusting external validators and today we reiterated that commitment. As I'm sure you know, we have a track record of following through on our commitments and this will be no different. You can expect to see the final part of our decentralization efforts begin by having Ripple-operated servers trust two external validators.

Can't say it enough! Meanwhile my friends are making easy short term money with all these coins blowing up and they all laugh when i tell them im holding XRP for the long term. I'm kinda jealous since they are getting this easy money while XRP is doing nothing . But whenever i think about Ripple's and XRP's potential it makes me feel confident. Don't let others tell you what to do. Hold that ****! I'm gonna be the last to laugh -some 17yr old

Greetings! My latest blog entry talks about how Ripple is keeping focused on its goal even amidst the grand chaos that Bitcoin is creating lately. I hope you enjoy the read. Leave any feedback positive or negative below, and please feel free to share on other media! My blog announcements on other media: Reddit Twitter Bitcointalk - alt coin sub forum Bitcointalk - XRP Speculation Thread

In a weird way, I kind of enjoy watching it fall, because it shakes out most of the weak hands. Think about this: Most people don't know what crypto even is yet Most people that own BTC probably couldn't coherently explain Ripple or XRP Banks haven't started using XRP yet XRP is traded on I think half as many sites as BTC There will be a lockup later this year that will lock away over half the supply of XRP SBI Max hasn't launched yet Ripple has a financial incentive to fix any problems that arise Ripple has a financial incentive to increase the value of XRP Banks have financial incentive to use XRP A lot of these items are slated to be addressed before the end of the year. So, if you don't feel comfortable with XRP, then don't hold it. Just know we are most likely on the eve of some of the biggest developments that XRP has ever seen.

Two things: 1) The price / market cap being "low" versus it's potential makes it a more attractive buy for banks and financial institutions. These are the players with the real power to drive the price up, not just from buying, but of course from usage and public perception of the value to the company and to XRP of that use. The price of XRP is probably right about where it needs to be right now. The big players are just beginning to load up. 2) There has been a huge influx of "lambo-tards" into the forum and on reddit in the past few months, since the massive rise in April and May. This forum used to have a way better signal-noise ratio. There's still very good content here but the noise is annoying. It's pointless to read the same post over and over again, which can essentially be reduced to: "When will I get rich?" or "How rich will I get?". I'm not sure what can be done about it - but, to the people posting such things, think before you post: "Am I adding any value to the discussion?" Because if you aren't adding any value with what you write, then you aren't adding any value to the community, which in turn means you aren't adding value to the price. In summary: if you really want your lambo - shut up about it. If you'd like to have a positive impact on price - try to ask more interesting questions, do research and post your results, study the technical aspects - teach yourself to code (it's fun - build stuff!). When you've learned something, help others. Do something of benefit. Add value. When an investor with enough financial backing to make an impact on price comes to this forum and sees a bunch of kids whining about how their get-rich-scheme isn't working fast enough for them, what will that impression add to their decision making process? What if they see a community of enthusiastic developers, and encounter a bunch of solid research that helps them right off the bat? How would that impact their choices? How could the cumulative effect of this on many eyeballs affect the perception of Ripple and the price of XRP? If you want to make money, you have to be smart. Think before you write. As annoying as these types of posts are to many of us here, they're actually just not serving the desires of the people who make them. (Btw, I'm not specifically directing this at the OP of this topic - theirs was fine - but there are many far worse examples of this type of post on the forum.)

In my latest blog entry, its back to basics. The intended audience are those that are completely new to XRP, so please review and share with a friend! This post will probably bore you, but please keep in mind that the intended audience(s) are those that are completely new to XRP and Ripple. Please review and let me know your feedback, positive or negative! Also, as always, please fee free to share or copy! My blog announcement(s) on other media: Reddit Twitter Bitcointalk - alt coin section Bitcointalk - XRP Speculation sub-forum

Even if a transaction only takes a few seconds, as a practical matter, the funds are likely to remain at each end for some period of time before they go elsewhere. But also, if you don't know where you're going to need to send money and you're trying to be as efficient as possible, you'll hold the intermediary currency because then you only have to pay half of the cost. Say you're a company that need to makes lots of payments to lots of different places (like Uber, Amazon, and AirBnB). If some fraction of those payments wind up being bridged by XRP, it will make sense for you to hold a big enough pile of XRP to make those payments. That way instead of having to pay for two conversions, you only have to pay for one. And, on the flipside, say you have a big pile of money and you want to make money by exchanging it to facilitate other people's payments. Well, other people will need XRP to buy the currency they're trying to deliver. So you'll want to hold that big pile of money as XRP so that you can give them what they want and get what they're offering. At least, that's some of the thinking.

Okay, fair enough. SO.... There are plenty of tidbits of information around regarding what the value of XRP is and COULD BE.... Please go click on @JoelKatz profile and read most of the stuff he's written. You will gain a fair amount of insight. Then what you need to do is go wrap your head around correspondent banking and how that works. Understand how debt on a ledger relates to every day business and transactions. Then go research how much money gets transferred across borders in a given year (155 Trillion, according to Ripple). The next question should be about how one could improve upon the inefficiencies that are inherent in correspondent banking. (at this point you should probably be diving into what the "blockchain" is and does, and more importantly, the implications of that technological leap in regards to society as a whole. At this point you should find yourself in an existential crisis as to what money is, anyway? Ignore that, for it is about trust, my friend! Then you'll wind up back on this forum and back to @JoelKatz posts regarding the use case (read, value) inherent in XRP. We can then deduce that the value of XRP should be representative of its use case (cross border transfers in inefficient corridors). To break this down mathematically, let's assume that roughly 1 Trillion dollars worth of inefficient payments finds a place among the Ripple ecosystem, and more importantly, in XRP. This way we could assume that various banks and corporations would like to transfer roughly 1 Trillion dollars worth of assets via XRP. That would mean that XRP would need to have a face value of roughly $10. If XRP had a value of less than $10 then the markets wouldn't be able to handle those kinds of transfers based on liquidity alone. I have surmised, mostly jokingly, that XRPs top limit is roughly 1 Quadrillion dollars (total, not per XRP). This is based on the concept that we could no longer transact in exact cents, but would have to round the numbers differently. Based on that math, we are looking at a number that roughly represents the value of inefficient cross border transactions as decided by various banking institutions so as to save themselves and therefore their customers money. That is how XRP rises in value. Like anything rises in value. There is a finite supply and a particular demand. If the world wants to transfer a certain amount of money efficiently across borders, then we need a given amount of this asset to make that happen. THAT dictates price.

"Ripple Knows How to Talk To Banks" - This is my latest blog entry! I hope you enjoy. Feel free to leave comments below - positive or negative, and always feel welcome to share my blog with others, link to it, or tweet it! On Reddit On Twitter

I clearly can't explain it any better than Joel, but sometimes hearing the same explanation different ways is helpful. The trick is that with xCurrent value isn't sent from one institution to another, the ownership of funds ALREADY in place (nostro/vostro accounts) simply changes hands. A change in ownership is simply an update to the bank's ledger but if you're coordinating a change in the ownership of funds across institutions then both ledger updates need to be coordinated to prevent partial payment/nonpayment. xCurrent doesn't eliminate the need for nostro/vostro accounts, it effectively uses ILP to escrow funds from nostro/vostro accounts to coordinate atomic ledger transactions that change ownership of the funds. So it's really fast, but only if the sending party has the funds ALREADY in place. The downside is that you have capital sitting in an account waiting to be used meaning that you can't use it for other things. If you have many accounts with different institutions then you have dead capital. xRapid allows for payment with XRP. It works in those cases when you DON'T already have the capital in place. You can make that payment in seconds with XRP because the ledger closes every 4 seconds and the transactions are irreversible. So when the funds hit the recipient's wallet, they can spend that XRP. If they prefer USD to XRP then can quickly turn around and sell that XRP for USD assuming the liquidity is there. xRapid helps financial institutions free up dead capital by consolidating many pools nostro accounts into one [pool of XRP than can be sent as quickly is not more quickly than transfer via xCurrent. I hope this makes sense. I STRONGLY recommend that you watch Ryan Zagone's talk at SeaCEN where he explains in good detail but pretty simply and succinctly how Ripple's technology works. The first part of the talk is effectively xCurrent, the later part where he discusses XRP is effectively xRapid.

Hodors Latest Blog Entry This is my latest blog entry. Just in case you didn't already know - South Korea, a small country of ~ 51 million, has been single-handily driving crypto prices for the last two months (Bitcoin, Ethereum & XRP). Take a read and let me know if you agree / disagree with my conclusions and please feel free to share as much as you want on any other medium! Reddit Twitter

https://xrphodor.wordpress.com/2017/07/18/future-proof-your-portfolio-with-xrp/ This is my latest blog entry. A lot of crypto investors don't really think beyond a small "play" on Polo where they try to cash in on a hot crypto that's "going parabolic". But if you're looking to make an investment that has the most future potential, you have to see entire future trends and markets well ahead of time, like Ripple tends to do with uncanny accuracy, in my opinion. Let me know if you agree / disagree, and feel free to share as much as you like! Reddit: https://www.reddit.com/r/Ripple/comments/6o41dx/future_proof_your_portfolio_with_xrp/ Twitter: https://twitter.com/Hodor7777/status/887429811592978433

"Today we are excited to announce that the XRP Ledger ecosystem has expanded to 55 validator nodes, an increase of 120 percent since May. These new validators include WorldLink, Telindus-Proximus Group, Bahnhof (Swedish ISP) and AT TOKYO Corporation, and join a growing network of leading companies and organizations currently validating transactions on the XRP Ledger, including Microsoft, Massachusetts Institute of Technology (MIT) and CGI." https://ripple.com/insights/xrp-ledger-decentralizes-expansion-55-validator-nodes/ http://www.coindesk.com/ripples-distributed-ledger-network-passes-50-validator-milestone/

Alibaba is running a validator node as of 1 day ago! Also one of the few on rippled-0.80.0-b4 Hope this is very good news

Hi folks. First time poster here. I invested in XRP 6 months ago. I passed on bitcoin in '09 so when it came back onto my radar in Feb '17, I decided I needed to find the next bitcoin-like opportunity. It wasn't long before Ripple came up. I immediately looked up its founders and came across Chris Larsen. Within a day, I knew that this was going to be company I would invest in. Reading how his company E-Loan became "the first company to freely provide consumer's FICO credit scores," and how transparency and trust were forefront in his company Prosper Market place, "the first peer-to-peer lending marketplace in the US." Now Ripple's goal is to be the first x-border payment system of its kind-first, first, first. He is a pioneer. Every company he's involved in wins awards, sets precedents, and it seems like every thing he touches turns to gold. Ripple and XRP will be no different. This was a no brainer. Larsen's integrity, innovative vision, intelligence, and ambition immediately convinced me that this company is going to be unbelievably successful. Then I came across XRP Chat. Wow, you guys blew my mind. I have no background in any of this technology but the way things are explained, critically analyzed, and debated amongst the members here allowed me to learn. Thank you to @Hodor @Mercury @Apollo @cmbartley @tomb @TiffanyHayden, to name a few, for your information, links, insights, optimism, and realism. When times are tough or I feel frustrated, I remind myself who's behind this company, why I invested in the first place, I re-read the dozens of positive articles I've bookmarked over the past 6 months, and then it's all good. I'm ridiculously excited to see what the next few months will bring to Ripple and to us all! C6

I am a taxi driver in Ireland, just had a tourist from California in my car and we got chatting about cryptos. As he was heading to the airport and running low on euros, instead of paying by card he asked if he could pay in crypto (xrp). I gave him my ledger nano s qr code which I have saved on my phone, and transaction was done in under 5 seconds. The only issue is that I'll have to wait until I get home to ensure the xrp has arrived on my ledger. This is a great use case but highlights the need for a hot wallet for xrp, similar to bread wallet, so receipt of payment could have been confirmed instantly. I have taken payment by Bitcoin and ether before, although there are great hot wallets for both, they took hours for the transactions to be confirmed. Either way, it was a smooth, simple transaction that beats the 5+ days wait I usually have to endure when I take payments through a card reader. It would be great if xrp gets used as retail payment, higher usage = more xrp gets burned= higher prices!

Just out of curiosity I made a rough overlay of Google Trends (user searches for specific terms) showing searches for "XRP" (red line) compared to the XRP price (blue line). It's not scientific but it's easy to spot the peaks of search interest corresponding with peaks in price. I was hoping to see advanced interest through searches to use as a guide for peaks in price but they are precisely aligned. Perhaps there's a few hours increase in search ahead of spikes but unfortunately Google Trends isn't that granular. Sources: https://trends.google.co.uk/trends/explore?date=2017-02-01 2017-07-30&q=xrp https://xrpcharts.ripple.com/#/markets/XRP/USD:rvYAfWj5gh67oV6fW32ZzP3Aw4Eubs59B?interval=1d&range=6m&type=line

Some of you may recall a post I made some time ago (and for some reason can no longer find) were I advocated sending XRP to the moon. Literally. Background. Someone (I think it was @Dizer?) said they would be willing to front some sort of publicity stunt for XRP. This lead to how Doge sponsored a race car which lead to some creative ideas for things XRP could be used to sponsor/ promote. I stumbled across Astrobotic's (one of the Google X Challengers) and their offering of MoonBox. Essentially its a glorified time time capsule that will be hitched to Astrobotic's moon lander and left on the moon. The smallest capsule is more than big enough to send a paper wallet loaded with XRP (turned into a blackhole account and perhaps preloaded with the amount totalling the year it was sent). Fast forward to today. Just got a email update (apparently I signed up for updates back in the day) saying there is now a firm launch date for 2019, 50 years after Apollo 11. The smallest capsule costs $460, or about 2659 XRP. Maybe add another 2019 XRP as the wallet amount. Just saying... To the MOON! Can be literal.

Aaand that's probably why he keeps a low profile, haha. Thanks @miguel @JoelKatz and @nikb for your participation and contribution here.

@stecha66 - on June 14th you said you have 400k coins .... then on July 9th you said you made your way to 10k .... Obvious to me, based on your history and commenting your just here to give everyone just that little nudge closer to thinking we are all crazy. Its all good ... spread FUD ... we are conditioned well for it.

Hodor's Latest Blog Entry This is my latest blog entry. Although the Fed Payments Task Force couldn't mention Ripple by name, just watch their VIDEO and listen to the panelists for yourself. (and then read my blog!) I think you will agree with what I have to say! Let me know if you agree / disagree, and please feel absolutely free to share or link to my blog with anybody over any other media! Reddit Twitter

The petition to get XRP added to Coinbase now has 652 signatures as of the time of this writing on Sunday morning! We are edging closer to the 1k mark; I believe that these signatures send a message to Coinbase and Ripple that we need better U.S.-based support for making XRP investing easier. The demand for XRP is far above Litecoin, and yet Coinbase chose to add Litecoin ahead of XRP. That's where our motivation for this petition originated - Coinbase has almost a monopolistic market share here in the United States, and we need to enable it to support direct XRP purchases for new customers! Here is the link to sign or otherwise share with others: Coinbase XRP Support Petition

I haven't seen this before, thought I'd share: https://www.b2bpay.co/tags/ripple-payments Barckays just replaced their CEO with Citi's former head of digital payments and have been quoted as talking to regulators about using ligitial assets "equivalent to bitcoin, not exactly bitcoin. When you Google "B2BPay Ripple," the link provided shows up with the title "Ripple Payments | B2BPay powered by Barclays"

http://www.worldlink-us.com/ripple.html

An official petition has been started to get XRP listed on Coinbase: change.org Link to XRP Petition I'm not sure who started that actual petition, but thank you if you're somewhere on this forum! Note that change.org requires you to either be an active user or sign up to sign a petition. I did - please also add your name to the list! Thanks, - Hodor!

I've been blogging usually every other day about various topics that have peaked my interest, and every once in a while xrpchat members drop me a PM on potential topics. @Bagheera was the one that encouraged me to cover the Fed Payments task force, for example. That was great - I learned a ton on the way to writing that one! Anyway, I thought I'd start a thread and mention that I'd love to see more writers take up pen and paper and blog on steemit or wordpress about XRP. There are some there, but we can definitely use more! Also, I wanted to ask for any suggestions for what I should cover in my blogs; I plan on doing one about our plan to send XRP to the moon soon! Feel free to leave any suggestions here. I don't promise a blog entry on each one, but I promise I will use this list for inspiration! Also thought I'd leave the specific links to each of the blogs I've been writing in case anybody wanted to bookmark one or more... the list of my own blogs has actually come in handy once or twice for myself. Here it is in chronological order: https://xrphodor.wordpress.com/2017/06/15/who-is-purchasing-xrp/ https://xrphodor.wordpress.com/2017/06/16/the-fintech-offering-banks-are-taking-seriously/ https://xrphodor.wordpress.com/2017/06/19/xrp-ripple-and-the-difference-between-privacy-and-anonymity/ https://xrphodor.wordpress.com/2017/06/21/which-crypto-currency-has-the-best-leadership/ https://xrphodor.wordpress.com/2017/06/23/ripple-consensus-ledger-the-credit-network-innovation/ https://xrphodor.wordpress.com/2017/06/26/ripple-and-the-keys-to-asian-commerce/ https://xrphodor.wordpress.com/2017/06/28/crypto-market-capitalization-and-xrp-predicting-the-future/ https://xrphodor.wordpress.com/2017/06/30/ripple-the-mainstream-financial-technology-company-that-your-parents-dont-understand/ https://xrphodor.wordpress.com/2017/07/02/xrp-wont-just-make-you-rich-it-will-supercharge-the-world-economy/ https://xrphodor.wordpress.com/2017/07/05/xrp-waits-for-no-competitor/ https://xrphodor.wordpress.com/2017/07/06/swift-they-just-dont-get-it/ https://xrphodor.wordpress.com/2017/07/09/open-letter-to-brian-armstrong/ https://xrphodor.wordpress.com/2017/07/11/the-interledger-protocol-a-bigger-pie-for-everybody/ https://xrphodor.wordpress.com/2017/07/13/xrp-and-hyperledger-to-compete-with-ethereum-for-smart-contracts/ https://xrphodor.wordpress.com/2017/07/16/xrp-the-power-of-focus/ https://xrphodor.wordpress.com/2017/07/18/future-proof-your-portfolio-with-xrp/ https://xrphodor.wordpress.com/2017/07/20/i-want-to-buy-beer-with-my-xrp/ https://xrphodor.wordpress.com/2017/07/22/fed-faster-payments-task-force-recommendation-ripple-in-everything-but-name/ https://xrphodor.wordpress.com/2017/07/24/south-koreas-crypto-phenomenon-xrp/ https://xrphodor.wordpress.com/2017/07/26/xrp-we-will-persuade-the-masses/ https://xrphodor.wordpress.com/2017/07/28/ripple-knows-how-to-talk-to-banks/

Let me say a few things: I had a great experience creating an XRP wallet from a Chrome browser on my laptop. The only problem I had was that so many people at Ripple were creating wallets at the same time that we triggered BitGo's rate limiting. It's always sad when someone has a bad experience. But I can think of a few things that could have caused your bad experience that don't reflect any kind of massive design problem or anything like that. For example, your account may have gotten stuck in their database in an in-between state due to something like a server-side crash or fault. I've gotten locked out of Facebook and Twitter accounts, often for ten or fifteen minutes, several times due to similar issues. The BitGo team is top notch technically. They know this business very well and they take security very seriously. Their primary product involves enterprise storage and movement of digital assets. Many exchanges use them. Yes, Bitfinex used BitGo and Bitfinex had a massive hack. You can believe whatever you want about BitGo's responsibility for that hack and I don't want to rehash that here. That could have easily been a business-ending experience for BitGo. But instead, BitGo learned from it and emerged strong. One thing I do know is that the Bitfinex theft, at a minimum, involved the compromise of Bitfinex's keys. BitGo has made it structurally not possible for them to produce the two needed signatures. Their core architecture is 2-of-3 multisign. The customer can hold two keys, so they can perform transactions even if BitGo cannot or will not sign them. The design takes security very seriously and gives the user/customer control over what transactions BitGo will sign. Their account recovery process seems quite sound to me, requiring involvement of a third party to recover one of the customer's keys for BitGo. Of course I can't promise you'll have a perfect experience. This whole key management thing is new and everyone's learning by doing. But I have very high confidence that BitGo will keep producing a high quality product. I am also hopeful that BitGo's enterprise support for XRP will lead to more of BitGo's enterprise customers deciding to support XRP. And that sounds like a really good thing too.

Article on cnbc with Miguel saying this quarter is gonna be very interesting. I thought i was late to the XRP party but it seems like im right on time! http://www.cnbc.com/2017/07/21/ripples-xrp-digital-currency-rose-3977-percent-in-the-first-half-of-2017.html

https://www.rise.global/blockchain-100

XRP has something unique compared to all other crypto coins. All the money flowing into Crypto right now is 100% speculative. The price of XRP right now (0.18c) is based solely on speculation. Once the actual payments starting flowing through XRP will be the single most liquid crypto on the market. To give you an idea, look at the size of the market XRP are going for. http://money.visualcapitalist.com/all-of-the-worlds-money-and-markets-in-one-visualization/ Forget coinbase and other exchanges. OTC sales are what we want https://ripple.com/insights/q2-2017-xrp-markets-report/ Also something on Reddit today, I believe a new partnership agreement is taking place in Europe similar to the SBI deal. Speculation, but if right it will be HUGE!. Swift no longer a risk. https://www.cnbc.com/2017/07/21/ripples-xrp-digital-currency-rose-3977-percent-in-the-first-half-of-2017.html

First off, they had some very nice coverage of Ripple and its new offerings here. I haven't read through the whole article yet. Secondly, and this is the shocking part; after reviewing some of SBI's q2 report, this tweet suddenly came out from their corporate twitter account: I don't know who / what their source is, but I don't see any reason for a Bitcoin outlet to mislead.... just in case, however, I've sent them a question about the source on Discord. I'll post here when I get an answer.