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I would like to present here my findings on a slightly more detailed examination of sales from the ripple XRP-II wallet (rHjJwY4maqRyUxCnJ9bNNQ2Tva9fe9T8ud) and also the 3 wallets rHjJwY4maqRyUxCnJ9bNNQ2Tva9fe9T8ud, r49yezViZ8N6FtwwKg9byDYtJ3UDuJi1zv, r3epSojEkn6pFRwjxkFjwJLPAxC8Hj9ZTK that we believe are ripple controlled and have been supplied to my by @xp3215233 who deserves your thanks for the numbers I have extracted and plotted here. I will refer to the 3 wallets hereafter as RP1, RP2, RP3 to indicate that we think they are ripple controlled. In addition, I will also include some details of sales from the "BearWhale" account and Jed's tacostand account as a tag-along bonus at the end. There is no particular agenda to the analysis presented here, other than to further our understanding of the XRP ecosystem and broaden our knowledge (in the spirit of DYOR). The analysis I presented prior to the Q3 results release was a bit sloppy and I thought I would try again with a slightly more rigorous approach. Disclaimer : Although the numbers/dates extracted from wallets can be considered 'facts', the actual ownership/control/motives of wallets and transactions through them is mostly unknown and suppositions are based on the collective guesswork and historical evidence gleaned from resources such as xrpchat and previous ripple forums. Other than the XRP-II wallet which is known to be owned and controlled by the ripple subsidiary XRP-II and is licensed to sell XRP, I do not actually know for certain who controls any of the wallets mentioned in this post, and therefore any discussion or conclusions made here must be considered speculation. Nothing else that you read here should be taken at face value and you should even consider the possibility that everything presented here is forged material, made up just to manipulate the market. Let's start by looking at all the sales from the 4 (ripple controlled?) wallets going back to last year. Note that in the following plot, transactions between accounts are not included, only those that leave them are shown. The plot shows payments from the 4 wallets in separate colours to distinguish and identify their origin, overlaid on the total sales volume on exchanges (as returned by queries to https://min-api.cryptocompare.com/data). It is immediately clear that the 4 wallets are being used to make transactions with different 'sales' patterns. (The word sales is quoted here because in general, I assume that transfers from wallets are for the purpose of sales, but in many cases they may not be, however the term 'sales pattern' is a nice one to describe activity). Note that the plot uses linear scale (left) for the (black) volume from cryptocompare, and logarithmic scale (right) for the payments as they span a wide range of values and are best viewed thusly. The patterns become slightly more interesting when we look at the destination wallets of the payments, as shown in the following plot where we see the same data coloured by destination rather than source. I have tried to cross reference the destination account with the names of wallets used by exchanges. Again, I stress that the names presented here may not be correct, however, the chances are high that some/most of them are valid and what we care about is the pattern, rather than the specifics of each payment. The coloured dots represent payments and the solid line above is the daily sum of those payments, all are again overlaid on the daily volume from cryptocompare and a logarithmic scale is used for payments and their daily sum. The logarithmic plot compresses the sum line considerably and so it is not immediately obvious that their is any correlation between the transfers from ripple and the daily volume. Let’s have another look, but this time we will add another filter, we will remove all payments that went to addresses/wallets that do not have a destination tag. We do not know the addresses of all exchanges, but most exchanges require the use of a destination tag to separate client accounts. (GateHub is one notable exception where each user has an individual wallet). Filtering by tag gives us a reasonable approximation of payments that are going to exchanges and we can see the list of destination accounts is significantly reduced. Some things are obvious from the plots of payments: The sheer number of payments from these wallets during the second half of 2018 is quite staggering, and the fact that a very large number of them appear to be going to exchanges is very interesting. There do appear to be correlations between payments/sales and trade volumes, though those correlations change subtly over time and it is quite evident that in early April 2018 the sales strategy of ripple changed dramatically. It is of course possible that ripple uses other wallets for sales and simply changed at this time to one that we are tracking, from one that we do not know about. The pattern of payments changes on 12th April 2018 so let us examine more closely the pattern from that time onwards, excluding the payments from the XRP-II wallet. (This wallet is believed to be responsible for “direct” sales rather than programmatic and careful observation of the first plot shows that it makes less frequent, but often very large payments that do not look like programmed sales to an exchange). This plot shows us payments from RP1,RP2,RP3, only to accounts using a destination tag and it is now quite clear that there is a correlation between payment volume and exchange volume. There is also a mysterious gap in payments between 12th and 19th of September this year. The correlation is a little difficult to see due to the log/linear comparison, so lets compute the correlation time shift and normalize the plots to see how they compare and overlay them using linear scale for both. The correlation is good, the cross correlation function has a peak that appears with a time shift of 1 day. This plot shows the ripple sales volume (blue) time shifted by 1 day (earlier = to the left) and overlaid on the exchange volume (black). Normalization of the two volumes give a factor of 29.19 difference between the ripple sales and the exchange volume - this seems to me to be a fairly remarkable result. It tells us that ripple are selling XRP at approximately 1/29.19 = 0.034 = ~3% of daily volume based on the previous days exchange total. This is far higher than I had expected and higher than reported in their quarterly sales figures. The figures declared by Ripple are as follows Note that we do not know if the figures for 2016-Q4, 2017-Q1 are direct or programmatic, but I put them in the direct column since it would appear that their programmatic sales have been better coordinated more recently than in the past. Whilst the correlation is good (with time shift we have Pearson coeff 0.88), with the peaks and troughs lining up extremely well, there are some deviations. Around the region of Jul-Aug on the graph, the (normalized) volume sold by ripple appears slightly higher than the exchange volume, so it is possible that they have been adjusting the amounts slightly over time on a month by month basis to see how the market is affected. It’s also possible that the volume being used for calculations is coming from another source (i.e. not cryptocompare) and is slightly different, it is also possible that I am including sales from wallets that are not part of their programmatic sales, or other wallets exist that I am not aware of. Certainly we can see that when the trade volume rises and the xrp price rises, the programmatic sales increase the next day and this in turn brings the price back down. The ongoing bear market (at least for XRP) has not been assisted by the selling pressure of 3% per day - especially when we consider that significant parts of the other 97% of trade may be of suspicious activity on largely unregulated exchanges. How do the sales we have extracted compare in terms of $$$ with those declared by ripple in their quarterly reports? We assume here that the price that the XRP is being sold for is the mean price on the day it is transferred, this is at best an approximation, but since the transfers are happening every day (at least for RP2 since April), we must assume that the XRP is actually entering the market and not simply accumulating in wallets on the exchange. edit: ERRATUM: The table shows $$$ amounts for the quarters, but the right column total is the XRP amount, the $total is less. Apologies. . The numbers here are much larger than those declared by ripple (and shown earlier). I have experimented with different combinations of summation from different wallets, using different combinations of high/low/closing price, but have not been able to find a set that reliably reproduces the figures from ripple. What hypothetical conclusions can we draw from this Ripple are telling outrageous lies about the amount they sell? This seems highly improbable. Everything we know about the company indicates that they are “Very Serious People” in the right sense of the words (if you pardon me parodying a phrase partially popularized by Krugman). Ripple are making the payments we see on the ledger, but they are not all ripple sales. This is my own best guess. They have setup bots to make transfers to exchanges. Many many exchanges, far more than I imagined, and now that this infrastructure is in place, they are using it for their own programmatic sales, but reusing it for sales from staff/founders wallets. Why not sell some fraction of daily volume direct from ripple, and include some of the other XRP they need to offload. This way, they only have to worry about 1 set of scripts and can do the accounting of who is owed what internally within the company. Ripple are looking after us. True that they are ‘dumping’ massive quantities of XRP into the markets which is certainly keeping the price down and preventing wild speculative fluctuations - from the sums above, we are looking at around $500m (edit: not $1B as written previously) in total since 2017-Q4. This is interesting because it is ‘new money’ entering the markets. This is not wash trading between day traders on exchanges, but continuous drip feeding of XRP into the markets that is building the liquidity that will be needed when large scale adoption of the “internet of value” kicks off. Ripple are looking after us. Look closely at the graph of sales for September 2018. Ripple sales stopped for 1 week between 12-19 of the month, apart from a small amount that was probably setup on a different trading algorithm from the main programmatic sales that started after April 12th. Why did sales stop that week? I chose to overlay the price on the volume correlation in the plot above because on Sep 11th the closing price (as cited by cryptocompare) of XRP was around $0.26, the lowest value of the year and I suspect that ripple decided that it would be a good idea to stop their sales temporarily to help the market. Sales stopped and the price began to recover. In fact by the end of the week it shot up dramatically, partly based no doubt on news about xRapid adoption, as there was much talk prior to swell - but the correlation between a sudden doubling of XRP price right after the cessation of ripple sales seems to me to be extremely interesting. Correlation does not imply causation and we cannot be sure, however, should ripple cease sales again for some reason and a similar effect take place, we will have better evidence to support our hypothesis. (If anyone from ripple is reading this, then please feel free to temporarily shut down sales so that we can see if the price spikes again). The market is healthy. We have only shown what we believe are programmatic sales in the correlation and summations, but XRP-II is also making direct sales that add to the total. In addition there are ongoing sales from the bearwhale and Jed and possibly many many more wallets that we are not aware of, that are all being absorbed by the market and it appears to be holding up very well. Up to this point we have looked at the sales from RP1, RP2, RP3, but XRP-II which we believe to be the direct sales account. Here are the payments from XRP-II to accounts with a destination tag, the total is around 264 million XRP paid (not the $ amount since we do not know the sale price). If we remove the restriction of only counting payments to tagged accounts, then the figure jumps to a tidy 3.8 billion XRP transferred since Q4 2016. Not bad at all. Let’s take a small diversion and add Jed and the bearwhale to our analysis to see if it gives consistent figures. Payments from Jed’s accounts do not correlate well with exchange volume unless we only consider Feb 2018 onwards. There are some gaps in sales where trading appears to have temporarily stopped, however if we consider sales from 2018-02-01 (Feb 1st 2018), we have a very good correlation with volume with a time shift of 13 days and a normalization coefficient of 221 which equates to a daily selling of 1/221 = 0.0045 or 0.45% of daily volume. This appears to be consistent with the agreement which appears to allow 0.5% of daily volume based on the average volume of the period 2 weeks prior (please inform me if I have used the wrong agreement details). The BearWhale remains our most ardent foe, with semi random transfers to exchanges that happen when the volume increases. Presumably the sales then take place in steady chunks on the exchanges, and we cannot track them individually, but we can assume that the sale happen over the days and weeks following transfers to exchanges. Using 24 account that are believed to be BearWhale related, we see the following pattern. Out of curiosity, if we sum the sales from BearWhale, Jed, and Ripple and assume they are all traded at the price on the day, what do we get. edit: ERRATUM: The table shows $$$ amounts for the quarters, but the right column total is the XRP amount, the $total is less. Apologies. . The sums are quite impressive. Note that Jed's tacostand is not included in the figures above as it send to a non tagged account, so please add $50m (not $131m as written previously) to the total. edit: ERRATUM: The table shows $$$ amounts for the quarters, but the right column total is the XRP amount, the $total is less. Apologies. To conclude this post, I am rather stunned by the scale of xrp sales that are going on, whilst many of the numbers presented here may be incorrect, and not attributable to ripple, jed or the BearWhale, the fact remains that huge amounts of xrp are being purchased and we are still well over double the price of this time last year. I am very confident that if and when xRapid is adopted at scale, we will see further improvements in the market.

blog URL: https://xrpcommunity.blog/early-warning-adoption-signals-detected/ A tectonic shift in the market is well under way! Find out more in my latest blog. 𝙍𝙞𝙥𝙥𝙡𝙚 𝙉𝙚𝙬𝙨: AMB Crypto reports strange wallet activity and ledger volume; and Brad Garlinghouse and Ross Leckow discuss ASEAN and regulation. 𝙓𝙍𝙋 𝙉𝙚𝙬𝙨: WietseWind rolls out XRParrot to European users; TOK exchange announces support for XRP; A massive SWISS investment fund pledges to spend 30% of its money on purchases of XRP; Crypto.com offers a prepaid MCO Visa card allowing you to spend your zerps; XRP Scan goes live; and @cz_binance sends out a strange tweet to XRP Community Hope you enjoy this latest edition: Please leave any feedback below, and feel free to share my blog on any other platform you wish! - And thanks for doing so! My blog announcement links on other forums: Twitter Reddit r/Ripple Reddit r/CryptoCurrency Reddit r/CryptoMarkets Reddit r/xrp Reddit r/RippleTalk Reddit r/alternativecoin Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread

I've been giving a lot of thought over to market reviews and in particular I've been reflecting on the market turbulence we've been observing here in the U.S. and I have to say I've been really impressed with the solid fundamentals we have beneath the XRP asset. I originally got into XRP as a safe haven to lock in my winnings from a BTC/LTC pump phase, noting how little fluctuations we were having in the coin back when it was $.15-$.17. It was satisfying then, even when we had a scary dip into $.13 territory. It is just as satisfying now, in my opinion. I have been thrilled with the ecosystem that has developed and the competitive inspiration they are providing in the fintech space. I think it speaks to the facility and quality of the platform when coders like weitsewind can pull together quality applications with such short development cycles. I have a bag that has always hoped for $10-15 as its long term goal, hoping I would cash out my seed investment in the first two years or so. I won't complain if I see $50 or more, but I certainly don't expect it unless we engage a sovereign debt crisis with inflation that hits double digits. The response XRP has had to this recent reshuffling has exceeded my expectations. Our trading ratios against other leading currencies have clearly decoupled and recoupled. The standards that have been set in terms of those relationships are remarkable. It is rare to have that kind of ratio shift between well established currencies. I can't speak to the negativity surrounding the failure of XRP or Ripple the company to meet other people's expectations. In an unregulated market as new as this one is, I never would have expected to find an achored asset, but I'm glad I found XRP when I did, and I am very thankful that, when it comes to the asset and the Ripple team, the worst I have to accept in terms of 'bad behavior" is slippage in hopeful milestones on a calendar. It isn't until we see millionaires act like spoiled children that we can appreciate having adults in the space who has vision beyond their own personal ego and success. It's clear to me that the digital asset space has a lot of greedy disingenuous actors who threaten the health of the ecosystem as a whole. For my part, I have tried (aside from a bit of memeing) to keep my head out of the drama and focus primarily on the labor of folks who are really working hard to change the game instead of getting played by the game. But after this whole debacle I felt the need to express my appreciation for having level headed folks in the space working for Ripple and other companies like SBI who are trailblazing the future of finance and trying to do so in a way that is responsible and accessible to as many as possible. Their ability to work through the noise and not give in to ravenous speculators is admirable. I believe the quality of their partnerships and the vision of their network is reflected in the stability of XRP, and I believe that value will increase with the quality of the relationships that are forged around it. At the end of the day, having good culture in a company is as important to its success as having good tech. From what I have observed, Ripple and the XRP founders have developed both. I hope it continues for at least a decade before morphing into the next big thing(s). This is fine.

Link to Blog: https://xrpcommunity.blog/utility-must-and-will-lead-the-way/ Is the cryptomarket showing a preference for utility? I provide my take on it - and on all the latest XRP news - in today's blog! 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: At TechCrunch Shenzhen, Emi Yoshikawa emphasizes Ripple's leadership in engaging with regulators; BBVA and Santander, both Ripple customers, join the International Association for Blockchain Applications; and Navin Gupta compares Ripple technology to WhatsApp at the BlockOn conference in Bahrain. 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: @sleone_76 (Twitter avatar) offers customized XRP Tip Bot paper gift wallets; WietseWind's XRParrot application posts impressive numbers fresh out of the gate; a Thai exchange - Bitkub - supports XRP; a new, UK-based P2P crypto platform decides to support XRP; @stedas (Twitter avatar) decides to make his graphics available to the general public; and an XRP Community member creates a method for determining baseline XRP liquidity - and has some positive conclusions based on his model. I hope you enjoy the read: Please feel free to share my blog with a friend - or on any other platform you wish - and thank you for doing so! My blog announcement Links on other platforms: Twitter Reddit r/Ripple Reddit r/CryptoCurrency Reddit r/CryptoMarkets Reddit r/xrp Reddit r/RippleTalk Reddit r/alternativecoin Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread

I supported having alloy.ee on the default UNL, despite their “short” track record bevause: - Their business revolves around providing hardened hosting services; that experience bodes well for a validator operator. - They have more than one data center and high redundancy & reliability setups. - They chose not only to run a validator but to publicly commit to continue doing so for the long term. - They add important geographic diversity (Finland and Germany). - They are members of the community; I’m not going to name-call them here—they can introduce themselves if they desire. Maybe you disagree with the decision to add them. That’s fine. The important fact, which shouldn’t be lost one anyone, is that the XRP Ledger has a robust and diverse validator ecosystem.

Blog URL: https://xrpcommunity.blog/let-critical-thinking-be-your-guide/ In my latest blog I review all the latest news - and I describe why critical thinking is guiding crypto investors to XRP. 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: Brad Garlinghouse gives a sterling interview on hot-button topics at the Singapore Fintech Festival; CIMB Group announces their membership in RippleNet; SendFriend gets specific with regards to their xRapid implementation schedule; Evan Schwartz explains how Ripple views Layer Two; and Version 4.0 of xCurrent includes a surprise you'll want to see. 𝐂𝐨𝐢𝐥 𝐍𝐞𝐰𝐬: Stefan Thomas and Ben Sharafian sit down for an interview with Epicenter, and it is a big one. 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: WietseWind reveals that XRP Ledger History is now available to the general public via Google Big Query; KingBlue makes phenomenal progress on the Uphold Referral contest; and an XRP fan publishes an "epic movie trailer" style of video about XRP. And WietseWind announces Paper Gift Accounts for the XRP Tip Bot, just in time for the holiday season! I hope you enjoy the read & thank you for the feedback! Feel free to share my blog on any platform - and thank you for doing so! My blog announcement links on other platforms: Twitter Reddit r/Ripple Reddit r/CryptoCurrency Reddit r/CryptoMarkets Reddit r/xrp Reddit r/RippleTalk Reddit r/alternativecoin Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread

I feel bad that @galgitron gave a sad response to my earlier comment. But I know he is a big boy, and has a ton of chutzpah, so he won't really be hurt by my opinions. But I've had to defend my views a bit lately, so I think I will use this opportunity in response to his blog, to lay out how I see things... There seems to have developed a rift in the community (if there even IS such a thing as the XRP community) between 'the realists' and the '589 plus crowd'. Orthogonal to that divide is the 'tin foil hat' brigade but I will be talking here about the two former groups more than the later who have members in both camps (although might weigh more heavily into the five eight niners). There are people who think that an entity might buy out the XRP order book on an exchange and push price suddenly upwards that way. I don't believe that myself because the order book is dynamic and has multiple actors involved, who will act against such a thing. There are some who believe that a new world order might come about by decree, or fait accompli, involving Central Banks and the IMF. Ripple might pass ownership of the bulk of their holding to the IMF to jumpstart the system. The result would be XRPTheStandard. All of that is waaay above my pay grade. There are many followers of the Bearable Guy who predicted $589+ by EOY. My belief on him is that he really is an insider of some sort (perhaps from a tangential entity like the subcontracting firm implementing roll outs or some such). I think he came across the expansion plans and had access to the academic paper valuation of XRP pre publication, and plugged in reasonable estimates (as any of us can now do on that website) and came up with that valuation. I certainly believe it is possible to achieve that price in spite of all the naysayers talking of Market Cap or Ripple net worth or individual billionaires. Then there are those that think all of these possibilities are already factored in to a fifty cent price and that the best that can happen is a small but steady rise from utility lifting us over several years to up near our previous all time high of about four dollars. Others feel that numbers mentioned by David may come to pass... for instance $20 or even $50 or a $100. People seem to self sort themselves into these various prediction groups and probably all think of themselves as realists even though I am calling the single digit folk by the group name 'the realists' and the rest somewhere in the $589 spectrum stating in the low double disgust and ranging into the triple digits. (This does NOT mean I think they are realists... it's what they refer to themselves) So why do I mention all this landscape? Because I've noticed a growing trend among the realists to savagely attack the 589'ers at every opportunity as though they are Zealots doing Gods work purging the evil Hopium pushers. They are trying to rescue the gentle reader from the clutches of the Hopium so the reader doesn't deep dive into financial ruin based on Hopium with a cruel hard landing waiting. I think that is misguided at best. For a start, those that think XRP will be $5K each don't tend to invest much and so can't get hurt much. Personally I don't know what the future brings, but I'm fairly sure that any of these possibilities could come true. I can give reasoned arguments for them, so in my mind they are not fantasy but are really a part of the possibility space. So I deplore the actions of those who feel a certainty in their breast that X or Y just CANT happen, and that they will spare no disparaging term in their put down of the foolish optimist. I'm sorry Galgitron, but as much as I respect your analysis, and wonderful way with words, I can't respect put downs of folk who, in my opinion hold a view that is perhaps not as likely, but IS as possible, as yours. Is there any chance that we could treat each other with respect, and understand that others may hold different opinions that are just as valid as our own? So that's why I think this current blog is over the top... I disagree with the basic premise that Hopium is an evil. I grew up in a milieu of people hoping their horse would win, or their ship would come in, or that they would win the lottery and I know of some for whom it did. I think it's possible XRP is our ship, and that it will come in big time. It's what I am Hopium for. Is that so far from your "there is a massive locomotive coming and it's going to blow on past the kiddies on bicycles"? (paraphrasing )

Ripple and XRP guides and infographics A great resource for: XRP investors crypto media outlets new XRP enthusiasts general public and for everybody else who wants to learn more about Ripple and XRP SHARE / RETWEET: http://www.stedas.hr/ripple 20+ infographics 60+ images & quotes

The world's 1st #Crypto ETF starts trading next week on Europe's 4th largest exchange with a $1.6 trillion market cap. Interesting to note that 48% of the fund is $BTC & 30% is $XRP. https://www.trustnodes.com/2018/11/17/switzerland-green-lights-worlds-first-crypto-etf-to-be-listed-next-week

Interesting metaphor about the cost of using airline hubs You will remember Susan Athey was the one behind the model used on www.XRPbalance.com ("The XRP Calculator")

This is what has happened and what is happening IMO. My opinion only and I may be wrong - but I'm betting I'm not. Groups/People with money power/bitcoin= "They" Last year "They" Bought bitcoins on the exchanges in anticipation of the CME futures (CME market was cash settled only, trades on CME did not affect the price - these basically were just bets not purchases of bitcoin). The plan was to drive up the price of bitcoin by buying bitcoins on the exchanges in Oct, Nov, Dec 2017 then "They " took leveraged short positions on the futures market. Then "They" sold their bitcoins on the exchanges driving down the price and making money on their leveraged shorts on the CME futures market. This was the tail wagging the dog price wise. This year and upcoming - The Intercontinental Exchange ICE - (the owners of the NYSE) is starting a futures market at the end of January 2018 called BAKKT - https://cointelegraph.com/news/nyse-operators-bakkt-confirms-end-of-january-launch-date-for-digital-assets-platform. BAKKT will be settled in bitcoin. Because it's settled in bitcoin "They" can't just make a bet on what will happen on the exchanges then manipulate the price down. BAKKT will have to enter the market and buy the bitcoins and move them to their wallet. This will significantly drive up the price of Bitcoin.. So basically we are watching a reverse of last year "They" are driving down the price of bitcoin in anticipation of the futures market driving it up which starts at the end of January 2019. Once bitcoin moves up the entire market will move with it. Bitcoin is a lot more scarce than most commodities and has a set number - "Physical" futures market should propel it to ATH. XRP and all ALT's will go along for the ride. Would like to hear other's opinions. Especially why I am wrong.

Analyzing the volume, 70% of the XRP volume is through FIAT pairing. BTC maintains around 24% of the overall volume. Last time I looked at this around 6 months ago, BTC volume was closer to 50% of the overall volume. This is extremely good news and hopefully that % continues to decrease over the next 12-24 months.

The whole "XRP passed ETH and is now #2" is getting annoying. It shows how immature and uninformed many in the "crypto news" space are. 1. XRP has been ahead of ETH for a very long time! In terms of market capitalization, XRP has been #2 (behind BTC) for a while! All XRP already exists (~99,991,780,039 left). The problem is sites like CoinMarketCap and others don’t show the whole picture. They only show "circulating supply." The problem with "circulating supply" is that it doesn't make any sense. What's the difference between hodling and escrow? Nothing, besides a smart contract expiration date. Which means everyone who hodls XRP in a wallet, should also not be counted in the "circulating supply." Again, this makes no sense. As you can see from https://xrpcharts.ripple.com/ the true market capitalization of XRP is ~49B, not ~20B as CoinMarketCap would have the world believe. 2. The way CoinMarketCap and others display digital assets is silly when you think about. What other asset class has a leader board? Where is the commodities leader board? Where is the stock leader board? 3. Ripple (XRP II) has more XRP than any other person or company. Do you think they care about market capitalization or do they care more about volume!? Market cap in the context of XRP is not the metric of importance; volume is. But try telling that to the crypto community.

Altcoins belong in another section of this forum, but since you brought it up: yes, the timeline works for me, always been a true believer in TRX.

Starts @ 1:58:30 https://www.youtube.com/watch?v=27IAQMExzrg

BG "We've decided to register XRP as a security"

Hey folks, I think some of you know I work for Bank of America and very passionate about blockchain, cryptocurrency and especially Ripple. I'll be arranging a call with one of the VPs within the Global Treasury Services, Payments and Innovation team. Feel free to jot down your questions which i'll try and get answers to. I'll do my best to keep the answers as transparent. However, if I find the answers very confidential/precise to Bank of America's strategy I will have to redact/not disclose that information for security purposes (and obviously job security). Personally, I would tailor questions to regulation, implementation, real world benefits etc. This is an educational exercise first and foremost. As i've mentioned before, BoA are NOT using XRP (or crypto in general) in any of their services. Closing for Questions: Sunday 2nd December 2018. My questions: 1. Toward the end of 2017 and first half of 2018, the prospect of using Ripple's services seemed somewhat limited, and more of a generic test. What has changed since then to take Ripple's offerings much more seriously? 2. What is the relationship like between Ripple and BoA. Are you their most keen client, and why is that? 3. How do you see regulation changing around cryptocurrency? Is the limited use of cryptocurrency due to the fact it's unregulated and the negativity around mis-selling during the Financial Crisis a big reason why Banks, or BoA in particular are being more averse to implementation of the "Internet of things"? 4. Are Ripple's offering a major revolution in liquidity such that it could be used in future ICAAPs and ILAAPs? 5. What's next in the pipeline. I understand there are three phases, of which phase 1 is complete...What are the others and what are the differences? Regards, NMNR.

Hey gang. Just had a fantastic weekend. I don’t live in the US so no Thanksgiving holiday for me but I still had a great time. I had a weekend with my family, away from the Internet. No checking XRPChat, no Zerpening and no price checking. I tell you what it was liberating. I thoroughly recommend it. It shouldn’t matter what the current price is. Do you believe in the fundamentals of XRP or don’t you? Sit back, switch off, go outside and smell the roses. Yes this current price and year long bear market sucks. I get it. I keep buying more because I believe in the fundamentals. I believe in the future utility demand which is coming. I believe that we will be successful. This could be the start of the end for non utility, speculation coins. BTC at best is a store of value, at worst is nothing. I think the market is finally realising it. BTC’s failure is pulling the whole market, including XRP, down with it. XRP’s fundamentals remain as strong as ever (in fact continue to strengthen) I’m still here, I’m still HODLing, I still believe. And nothing in some of the FUD posts that will follow this thread will dissuade me. HODL tight my friends.

Ripple XRP / Fiat pairs (INFOGRAPHIC) List of 100+ crypto exchanges to buy XRP with fiat currencies: 36 fiat pairs 142 exchanges worldwide PNG and HTML (table) versions >> www.stedas.hr/xrp-fiat-pairs.html COUNTRIES: Australia, Brazil, Canada, Chile, China, Croatia, Czech Republic, Denmark, Europe, Hong Kong, India, Indonesia, Japan, Malaysia, Mexico, New Taiwan, New Zealand, Nigeria, Norway, Pakistan, Philippines, Poland, Romania, Russia, Singapore, South Africa, South Korea, Sweden, Switzerland, Thailand, Turkey, Ukraine, United Arab Emirates, United Kingdom, United States, Vietnam

More than 2 years ago (link) I gave my thoughts on what could happened to XRP price... I'm not a guru...don't have a crystal ball...just don't know much about anything..but...I trade 24/7 and when you can loose everything in a few seconds you have to look at the big picture to "try" to see what's coming so you do go bankrupt during that few hours of sleep I've allowed myself...so In the near future...I'd say a year...XRP Market Cap should be on top...why Going down the top 10...and a little more... BTC. BTC has found some equilibrium in price...many speculate it's because below 6k USD it's not worth it for miners...but mining "is" the problem. Cost in $ and for the environment makes BTC unsustainable...the sooner everyone moves to something else the better...But that will bring blood on the market...BTC crash will bring down all the cryptos as it's been for the past years...Remember I'm talking market cap here not price...As for the eternal and continuous forks...it's just a running gag scam among serious investors and adds not value anymore to the coin. ETH. On just TA...it's easy to see that ETH is barely hanging on its last resistance level...and who can give me a good use for ETH anyway beside pumping ICOs? Since ICOs are not the flavour of the month anymore who needs ETH? As for smart contract...there's always someone smarter somewhere that will create something even smarter...not that I understand anything about it...but neither 99.9% of the population. On the good side all those institution that bet on ETH have the infrastructure now to work on something else...their crypto dept. is ready to accommodate something else...why not XRP? BCH. At the time I'm writing this BCH is about to fork...a real billionaire ideology war lol...anyone here can relate lol...Probably the last of the big scam fork BCH will probably show that doubling your coin out of thin air is a thing of the past...not saying others won't try again just saying if this fails badly it will create a milestone where nobody will take any fork seriously anymore...as for the use of BCH...pass! STR/XLM...The one I love to hate...probably what we could consider the only fork attempt of XRP when Jed left...excuse me...was asked to leave! Jed's zillions $ can keep this one going pumping for years...if I could read his mind I'm sure I'd see his biggest dream is to take over XRP's market cap and show the world "he" was right...XLM might have some interesting approach to low fees third world transactions but the unlimited supply decided by ??? is not going to reassure any serious finance network...so even though they might have found a niche Jed's implication is going to end bad... EOS. I always scroll down this one...that's what I think about it...nothing...oh yeah...they have consensus that collusion is behind what made them grow this fast...but "the investigation is still going on" LTC. A fun light fork of BTC that's getting a little old too...based on the same technology that I don't believe is sustainable...Price used to be 1/10 of BTC...then 1/100...now a bid lower than that...same as ETH they're hanging on last resistance before a possible drastic fall...TA's not looking good.. ADA. The swiss project wanting to be so legit and it almost is...they're working hard to make something out of it and might succeed...I don't believe only one crypto will rule the world...this one could have a place depending on how the technology evolves...I believe the price is pretty much where it should be in this bear market...one to watch when the market starts to go crazy again XMR. The leader of the anonymous coins Monero has a place in the crypto world...very strong community backing it and a important technology to develop...anonymity is very important for all individual but even more if you live in some countries...no matter how much FUDders repeat that it's used by criminals...the most (and by far far far) used financial tools by international criminals is the US dollars (EUR probably not too far)...as for all the anonymous cheap clones some will probably find a niche too...and that's a good thing! Not in the top 10 but what I believe will also find a place cause it has already a use case scenario is all the gaming coins....some for video games some for gambling...I prefer the video games one cause they already are used in the games but they're not call crypto yet...but it's coming...many gamers found way around the game market place to sell through paypal their account or artifacts...it'll be much easier with a crypto integrated in the game...watch for big names coming soon...as for gambling...it will always be there so... Not in the top 10 and never will are all the business that tried an ICO instead of an IPO...they're already all moving out the crypto side of their business leaving the investors bag token holders with not much...I'm very septic about any of them giving back any value to the people that believed in their project...if some of them have their business going they'll have to move to a more traditional financial game and we'll never hear about them anymore... XRP. lol...if you're here I don't have to repeat everything you already know so... stay safe with your investment cause If what I wrote happens. they'll be blood in the markets and price will go wild on either side...and that will be scary moments if you need this money to pay the rent or buy food for the family...stay safe...if you invest...go only with what you can loose...one thing an old fart told me when I started trading...once I buy something (stocks it was) my money is gone and I have to believe I'll never see it again...that way I sleep better at night.

Summary The XRPSCAN Project is now available for beta testing. XRPSCAN is an explorer for the Ripple ledger that aims to provide you with an easy to use account and transaction explorer. URL: https://xrpscan.com If you've transacted in other leading cryptocurrencies like Bitcoin, you may have undoubtedly used their Blockchain explorers to look up the status of your transactions and check your account balance. You may also have felt the need for a Ledger explorer for Ripple that provides similar levels of ease of use and granularity of information. The XRPSCAN project aims to bridge that gap and provide you with a clean and simple way to look up your accounts and transactions. While on the homepage, you can track the ledger close events in real time and watch the diminishing XRP supply. Ledgers The ledger page tells you about all the transactions that were included in the given ledger. We support all transaction types that are supported by the XRP Ledger. Accounts Accounts page tells you at a glance about the current state and balance available. It also contains detailed information about Payments made, Currency balances, Orders, Trustlines, Account settings, Activated accounts and the Transactions this account was involved in. XRP is treated like every other currency issued by the counterparties and is displayed seamlessly without treating it as a special snowflake. Validators The validator registry lists all validator nodes and displays their verified domain names, UNL status, ledger chain and agreement rates. Search Ledger objects like Accounts, Ledgers, Transaction hashes and Validators are searchable from the search box at the top. The objects are directly addressable from the URL too, so you may simply use the address bar to look up: Ledger - https://xrpscan.com/ledger/[ledger-number] Account - https://xrpscan.com/account/[account] Transaction - https://xrpscan.com/tx/[tx-hash] Validator - https://xrpscan.com/validator/[node-public-key] Closing notes We hope you find this project useful and use it in your daily interaction with XRP. There are several items that we're working on to make XRPSCAN more useful and accessible for you. We'll continuously roll out these changes as and when they are complete. We run a verified Ripple validator, are committed to the success of XRP and absolutely ❤ the #xrpcommunity. We hope you give us a try and spread the word. Feedback XRPSCAN is in beta testing. Should you find a bug, please report it here: https://github.com/xrpscan/xrpscan.com/issues Follow us: We're active on Twitter, give us a follow: @xrpscan

* XRP / Fiat pairs Map ** Location map of 100+ crypto exchanges to buy XRP Interesting to see how the XRP virus is spreading SHARE AND DOWNLOAD: stedas.hr/xrp-fiat-pairs-map.html SEND YOUR SUGGESTIONS OR COMMENTS: If there are more XRP / Fiat pairs and/or exchanges that you are aware of send suggestions to dario@stedas.hr or contact me on Twitter: @stedas

I stumbled over these articles: 11.10.2018: Santander goes live with SWIFT gpi 09.10.2018: Santander Will Use Ripple For Settling Payments The conclusion is that SWIFT and RippleNet are solving two different problems (definitions taken from here): SWIFT is used for (unilateral) payment orders Payment order: an instruction sent by a payer or a payee to a payment service provider requesting the execution of a payment transaction. Payment: in a strict sense, a payment is a transfer of funds which discharges an obligation on the part of a payer vis-à-vis a payee. However, in a technical or statistical sense, it is often used as a synonym for "transfer order". Transfer order: an order or message requesting the transfer of assets (e.g. funds, securities, other financial instruments or commodities) from the debtor to the creditor. RippleNet (and XRP) is used for (bilateral) settlement of payment orders Settlement: the completion of a transaction or of processing with the aim of discharging participants’ obligations through the transfer of funds and/or securities. A settlement may be final or provisional. So, while SWIFT is requesting the transfer, RippleNet is settling the transfer. RippleNet is therefore on a different layer and can be used by SWIFT as well as by XRP TipBot (transfer order per SMS and http?), Coil (http again, I guess?) and different other transfer order protocols.