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Showing content with the highest reputation since 04/19/2019 in all areas

  1. 32 points
    Today Galgitron posted a very interesting snapshot from his spreadsheet. I analyzed it quickly to give a better understanding of the numbers behind the chart. The main focus are: Remittances And Payments between: 20 - 1,500 XRP (6 - 500$) Medium Payments between: 1,500 - 15,000 XRP (500 - 5,000$) Multiple things are interesting: The increase for both segments began at the same time, around mid February (Some event may have happened to trigger such strong surges) The increases are proportionally similar, slightly stronger for small payments, which seems logical in regards to remittances There are twice more small payments of 500$ max than payments of 15,000$ max, which again seems logical (low value, high volume)
  2. 31 points
    Hello Everyone. I'm Eri I'd like to study, learn and discuss the material shared by Bob on XRP, the XRP Ledger, etc. Please call me "Eri" which is the name I use in Japan because my given name has a "z", "b" and "th" which are sounds proven to be difficult for Japanese to pronounce. Eri is a shortened version, easy and common in this part of the world. I'm also known as: @sentosumosaba on twitter (sento = hot spring bath, sumo = I'm a serious fan, saba = a favorite sushi). My Youtube channel is: CryptoEri / I upload on average, 6X per week and have had an online presence in this XRP space for 14 mos primarily with an English speaking audience, however my reach is truly world-wide as shown in my google analytics. Women viewership is growing at a fast clip recently. I grew up in the SF Bay Area (California) and currently reside in Tokyo which has been my home for 16 years. I am able to translate the material / or PPT decks into Japanese and distribute to the Japanese XRP community by way of influencers whom I know online - both on the twitter and the Youtube platform. Tokyo: GMT+9 I'm hoping to be a team member in any capacity with a personal goal to grow the XRP holder base, increase investor awareness, and attract new users to the technology. In addition, I think it is important to dispel any mistruths people might have about Ripple & XRP that hinder its status in this ecosystem. Lastly, I love this space. .
  3. 26 points
    Blog URL: https://xrpcommunity.blog/deep-roots-the-crypto-spring-will-reveal-progress/ The use case is king! Today's blog covers how real utility provides roots for crypto projects, and lists the latest news impacting XRP: 𝐆𝐞𝐧𝐞𝐫𝐚𝐥 𝐂𝐫𝐲𝐩𝐭𝐨 𝐍𝐞𝐰𝐬: Pacte Law is passed in France, allowing Insurance enterprises to invest in crypto. 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: Ripple tweets about a new Ripple Regionals event in Dubai, and releases two videos from Ripple Regionals: APAC; and Ripple is entering Europe, and specifically aims to work with Luxembourg. 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: The XRP Meetup in Amersfoort took place on Saturday, April 20th; Wietse, Tristan, and Ali publish the XRPayments application; Genesis, a popular OTC platform, notes that XRP is the second-most-popular collateral for loans; and a new Japanese crypto exchange opens, with initial support for XRP; I hope you enjoy the read: Please feel free to share my blog with a friend or share it on any other platform - and thanks 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
  4. 22 points
    Found by Crpto Eri - 136 page presentation about how Standard Charter ASEAN Economic Outlook Growth and how they expect to integrate Ripplenet and GPI into their payments/settlements systems of the future. ASEAN Economic Outlook Growth in the fast :https://www.sc.com/global/av/id-asean-bankers-conference.pdf
  5. 21 points

    Q1 2019 XRP Markets Report

    You guys cry about distribution, then when Ripple distributes you cry about that too.
  6. 20 points
    XRP is fundamentally a superb digital asset - nothing has changed in that regard. It's Ripple's communication strategy that is looking increasingly wayward. This is concerning as they're the largest player in the XRP ecosystem. Every time they make a claim that is either refuted, ambiguous, or unachievable it's like handing a loaded gun to XRP FUDsters. That's my concern.
  7. 20 points
    This community sounds defeated. There’s far, far more real world progress than all other coins combined.
  8. 20 points

    Where's XRPTrump?

    Here's what I know: He's taking a long break He's okay (healthy, etc..) That's it. And quite frankly, that's all I really care about. His tweets were absolutely epic examples of how to rule on Twitter. He had crazy skill as a social media superstar, and he would take on anybody with logic and precision that was his unmistakable trademark. I am humble enough to admit I do not have one-half of his skill or motivation when it comes to dealing with trolls, but he would somehow argue with them without lowering himself. It was beautiful to watch. Kieran Kelly is good, too, as is Tiffany and Matt Hamilton. There are others as well, but I think all of them would agree that Doc T was the absolute best.
  9. 19 points
  10. 17 points
    Hello Study Group, Scott here from Love For Crypto, I Run the LFC Instagram and Facebook pages @LoveForCrypto17 and also add daily videos regarding DLT, IoV, IoT and my general thoughts on where it's going to YouTube. I can also be reached on Twitter @ScottyPMedia We at Love For Crypto are hoping to reach English speaking people online globally and are looking to set up events locally to start with. Being in the UK we're currently on BST (British Summer Time GMT -1) I would love to be part of regional Teams and sharing the knowledge through different visions. Super Excited about this.
  11. 17 points
    CAPITAL MARKET DEVELOPMENT AND THE FINTECH REVOLUTION: OPPORTUNITIES AND CHALLENGES April 11, 2019 | 13:00 to 14:30 ET, 17:00 to 18:30 GMT Atrium, World Bank Group Headquarters, Washington DC A flagship event of the 2019 Spring Meetings on Thursday, April 11 brought together a panel of fintech experts for a lively conversation on the wide-ranging opportunities and challenges of technological innovation in the capital markets, along with important legal, regulatory and competitive considerations. Overall it was a very interesting video to watch. The moderator was very professional and provided to a very pleasant discussion with the panelists. There is no strict mention of Ripple or XRP, but some parts of the video pricked up my ears. I will give a timeline for each speakers and provide a very succinct summary of each speaker's intervention. At the end of the panel, there is a Q/A. 00:00:00 - Introduction from the World Bank Managing Director and Chief Administrative Officer. 00:07:21 - Presentation of all the panelists by the moderator. 00:09:00 - Question to R3 00:14:08 - Question to the Bank of Canada 00:17:48 - Question to the OECD 00:26:45 - Question to the Milken Institute 00:39:32 - Question to R3 00:46:18 - Question to the Bank of Canada 00:51:52 - Question to the OECD 00:57:39 - Question to the Milken Institute 01:01:45 - Question to all and R3's answer 01:05:54 - Milken Institute's answer 01:07:10 - OECD's answer 01:08:30 - Bank of Canada's answer 01:10:30 - Questions 01:15:35 - Bank of Canada answer to privacy question 01:18:10 - OCDE answer to ICO's question 01:21:45 - Milken Institute's answer to M-Pesa vs Blockchain question 01:25:34 - R3's answer on energy issue and R3 Corda Settler advantages over PoW protocol
  12. 16 points
    Page 8 of this doc: https://ripple.com/files/xrp_cost_model_paper.pdf "$10 million one-time cost of deploying Ripple and a payback period of less than 15 months." And I just want to add that arguing in bad faith like you've been doing does not serve to impress the other folks on this forum, so button it up and spend 5 seconds doing a Google search like an adult because it makes us all smarter and it makes you look less like a child.
  13. 16 points
  14. 16 points
    Hello XRP Community! It's very rejoicing to see many familiar faces around! My name is: XRP Research Center. Please call me "RC" for easy reference. I'm also known as: @XRPCenter on twitter I am bilingual (Spanish/English) and I hope this is helpful to increase the reach of my learnings to the Spanish-speaking community. I'm currently in central daylight time (GMT -5). Sorry, but for personal reasons that I hate (lol) I'll have to remain anonymous. Nice to meet you all!
  15. 16 points

    XRP: Endgame

    In the end, this is what unites us. The vision of moving value as easy and fast as snapping our fingers. This is my new blog post! https://xrpcommunity.blog/xrp-endgame/
  16. 15 points

    New Ripplenet member: EQIBank

  17. 15 points

    Q1 2019 XRP Markets Report

    New businesses have to be primed and invested in, especially business that are trail blazing into new markets with paradigms and business models that are disrupting and being resisted by the establishment players. Ripple are generating 800 million per annum for development of the ecosystem which funds new exchanges and XPring projects. They have to set up market makers in every participating XRapid country. If anything their budget looks too small for this setting up task. But progress is being made - we have channels to Mexico and the Phillipines, India and the Middle East are on the radar for this quarter. In the same period 25,000 Bitcoins have been minted and sold at a price of about 4k per coin = 196 million and none of that money has reached the development teams of BTC.
  18. 15 points
  19. 15 points

    Chat: [Study Group] Introduce Yourselves

    Hello everyone, I'm Sam, I live in Texas (CST Timezone) and have a US audience. I speak a bit of several languages but not enough to be fluent. I'm on Twitter @hameggsn and on YT at To The Lifeboats In my corporate days I had a job very similar to Bob's but in Telecom. I've also been an activist, a co-host on a nationally syndicated talk radio program, a farmer raising Pastured Chicken and sold at the Dallas Farmers Market, and a videographer. I have a lot of people who appreciate me breaking down the more complex/technical aspects of XRP adoption to help them understand why it's important and the big picture of what may be happening.
  20. 15 points
    Although I believe i am well versed in the conceptualisation of dlt and related software i would greatly appreciate the opportunity to work with a well versed XRPL developer and gain some hands on experience. I go by OZ Crypto. You can refer to me as OZ. I'm also known as Oz Crypto on YouTube and @OZCRYPTO2 on twitter. I only speak English Australian english at that. G'day, mate, shielas, that's not a knife this is a knife all the standards. I am in Sydney so operate on AEST i am hoping to be able to share the knowledge I gain with youtube and the world.
  21. 14 points
    Whats new? Ripple have been publishing these type of articles for years! Past examples where Amazon, AirBNB and Uber, its never lead to or materialized into anything though...
  22. 14 points
    Ripple’s existence in the payment industry is beginning to bring about more collaborations and partnerships as the Sans Francisco-based blockchain firm partnered with the largest corporation in Thailand. PTT Exploration and Production (PTTEP), a petroleum exploration company said to be the largest firm, is partnering with blockchain startup, Ripple to make use of its payment infrastructure in cross-border remitting. As confirmed on the PTTEP website, the firm and Siam Commercial Bank (SCB), a Thailand based financial institution that already deployed Ripple cross-border payment infrastructure, are collaborating to heighten their cross-border transactions for PTTEP. Earlier, Siam Bank hinted that it would be finalizing its integration of Ripple settlement tools including xCurrent. Siam Bank CSO Paul Arriyavat confirmed to reporter that SCB invested in Ripple to make its technology widely used while also linking them with diverse online payment solutions.  According to the company, this is the first time Siam Bank will be using Ripple’s blockchain infrastructure, deployed by big banks across the word, in B2B model. Siam Bank is a strong ally of Ripple firm. In fact, it is the first to make use of Ripple’s Multi-hop tool to settle payment for other financial institutions on the RippleNet. Multi-hop removes the bottlenecks emanating from one-to-one settlements among financial firms using RippleNet. Siam Bank, with the multi-hop infrastructure in place, is able to forward and receive payment without a one-to-one link between the beneficiary and originator institutions. According to PTTEP CEO, Khun Somporn Wongwuttipornchai, the partnership is the beginning of cooperation with financial institutions to make PTTEP’s across-border payment seamless, cost-reduced, and achievable within few minutes. Large firms seeking to maintain business competitiveness and stand above others make use of Ripple’s blockchain technology. The same thing PTTEP aims to achieve with this partnership. For now, Siam Bank and Ripple are going to be facilitating PTTEP’s payments to its clients across Southeast Asia. https://todaysgazette.com/ripple-xrp-enters-petroleum-industry/
  23. 14 points

    Q1 2019 XRP Markets Report

    I take another view: There are two things that will drive up price. 1. Mass adoption driving up vol and demand driving up prices. Most of us think this means XRapid usage taking over some of SWIFT's market but we should also remember that exchanges and banks joining Ripplenet also create demand when they buy stock OTC from Ripple. 2. Confidence creating speculation that the tokens are undervalued and a good buy that will double, treble or quadruple sometime soon. These two factors are related but not in phase. We are in a very early testing and adoption phase of development in the XRP ecosystem. This has been dubbed the phase when the tokens have "no fundamental value" by Kitao and "euphoric phase" by the WTO on their website. These are the two sides of this phase, you can recognise the "no fundamental value" aspect one minute and be a "euphoric speculator" the next. Being in this phase there is only one way that the price of XRP is going to rise: Early signs of adoption create confidence creates euphoric speculation creates demand for XRP. The Bitcoin Max are doing their damnedest to make you think XRP tokens have no fundamental value. When I read threads like this one it is obvious that even on XRP chat, a place where XRP nut-cases gather, confidence has drained away. If you are going to allow something as irrelevant as XRP OTC sales to sap your confidence, then don't expect anyone else to invest in XRP either. Ripple are interested in one thing only, and it is not XRP price. They are only interested in setting up the conditions for early adoption followed by mass adoption. You are free agents to buy their tokens or not, and they have no moral duty to care about whether you make or lose money. They are not using you, they are doing their job. For myself my confidence grows every month. It grows with the news that OTC sales are going up every quarter. Nothing that happens to the XRP price right now really has much effect on my confidence because it is irrelevant.
  24. 14 points

    Q1 2019 XRP Markets Report

    This report has ****** me off. If Ripple is going to 'distribute' the vast majority of the supply of XRP based upon nominal volume from a data arbitration site with widely recognised deficiencies (suppressing the value of the asset in the process) then at the very least I want to see a more significant degree of real-world XRP usage come into fruition within the timescales that Ripple had initially indicated, and a corresponding growth in the value of the asset. When I first invested in XRP I had assessed a 3-5 year investment horizon, given the information available at the time, but; Ripple's programmatic selling, relatively mediocre institution sales, and lack of forward progress in XRP-related terms has pushed that back considerably. So far it's been delay after delay, and numerous semantic clarifications (likely due to the ongoing litigation) after their initially ambiguous promotion of partnerships and the role of XRP within their technology suite. I'm not a charity worker, as an investor I want to have a reasonably positive outlook on the following questions: 1) Will Ripple be instrumental and successful in building out the XRP ecosystem before they bleed the ecosystem dry trying to do so? 2) Will that success be reflected in the value of the asset beyond its speculative value? Ripple can't claim to be distinct from XRP as a digital asset whilst being so heavily reliant on the capital of investors in the XRP ecosystem. Someone buys in, and they cash out. I invested in XRP, not Ripple, but given Ripple's holdings it's prudent to question the direction they are taking in relation to XRP. To me it seems like they're milking it for capital, not letting it grow organically. As for future value... Naebody knows, because there's no precedent.
  25. 14 points

    Epic Pennant on BTC Chart

    @Baka If it breaks .28 it will probably go to .25, but I don't think it will. The price seemed to react pretty good. I think today is a good buying opportunity. I would be buying some every day as long as it stays under .40. Here's the thing - Some people bought bitcoin at $10, some bought it at $8, some bought it at $20 and some bought it at $500 - and they all made out like bandits. When xrp is at $10-$20 try telling people that you are upset that you bought in at .35 when you could have bought in at .25. - there will be a lot of eye rolling going on. My unpaid for, anonymous advice is - don't sweat daily movements accumulate below .40..
  26. 14 points
    Thanks for posting. It is super informative material. Very clear that SWIFT gpi needs the cross-border solution XRP offers.
  27. 13 points
    Breaking news!! Kitao has delayed joining Ripple it’s been postponed to January of 2020
  28. 13 points

    Q1 2019 XRP Markets Report

    Unfortunately, it's a necessary evil. It has to be distributed. I think everyone recognizes this. We are all early in this space. This is just something we have to go through. I think that as time goes by, the escrow releases and sales will represent a smaller and smaller percentage of circulating supply. Then when all 1B is being sold each month, that's when we will start to see significant price increase. My opinion. I have said for a long time that the price is held in check due to the distribution of XRP. If you remember, when we had the bull run in December 2017, it was right after Ripple locked up the escrow, and didn't have any they were willing or able to sell. You can go back and look at the XRPII sales during that time and is is in line with that. I posted the numbers a few months back. Remember: Price spiked between December 12, 2017 and Jan 3, 2018. (.25 to 3.80) The first escrow was unlocked Jan 1. The price started to decline 2 days later. Is this a coincidence? I don't think so. Do I think Ripple is doing anything wrong or illegal? Absolutely not. In the big picture, this all has to happen. It just is what it is. We have to be patient and wait. It's all part of the bigger plan. Over time, expect to make slow gains despite this. This is all my opinion and I could be wrong. But this is how I see it. 3-5 years.
  29. 13 points
    Yes it is a year old - but this document is worth a look Fintech and Financial Services: Initial Considerations BBBPFTAC Steering Committee Meeting, March 2018 Full PDF (30 Slides) : https://www.pftac.org/content/dam/PFTAC/Documents/About PFTAC/PFTAC Steering Committee/2018/PFTAC Presentation_IMF.pdf https://thexrpdaily.com/index.php/2019/04/23/pftac-imf-venture-document-regarding-dlt-mentions-ripple/
  30. 13 points
    Jason Armbruster here ... Buffalo, NY, USA area ... I live about 30 minutes from Niagara Falls and about 90 minutes away from Toronto, Ontario, Canada by car. I'm a XRP enthusiast and Internet Marketer. I'm a medium html and css coder. I'm a novice javascript coder. I'm currently developing a XRP membership site at XRPeanuts which pays members in XRP to promote it as affiliates. XRPeanuts promotes the adoption, acceptance, usage, and accumulation of XRP Lovers! (not just HODLing) I need assistance in the area of creating a "recurring payment" button (like a Paypal Subscription button) for all affiliates to use. I can be reached at @JasonArmbruster on Twitter ... AND ... if you follow me, I'll follow you back and give you an automatic XRP TIP ... =) I speak English and some Spanish (enough to get by in a pinch). I am Eastern United States Time Zone (same as New York City). I'm looking to connect with all XRP enthusiasts worldwide that wish to promote XRP and the XRP Community.
  31. 12 points

    Q1 2019 XRP Markets Report

    Pick one : - Ripple got a tons of XRP and nobody to use them - Ripple got less XRP and an entire ecosystem to use it build around XRP and their products. More they sell XRP now to atttact new customers the higher the price will be in the long term because the use will increase. Not short term good news. Long term good news ( 3 to 5 years is now 2 to 4 years also )
  32. 12 points

    Q1 2019 XRP Markets Report

    In an unregulated market - sure. They are in this market for quite some time now, they even *analyze* the market situation in their Q reports. If you want to tell me that they see top exchnages by volume such as ZB.COM, ZB and ZBG (which are essentially the same thing) and they say to themselves - 'ah, look guys, we've made some sort of a sudden breakthrough on the Chinese market', then you are absolutely taking the рiss. I don't mind them selling 3-4% of the daily volume, but they might disclose it in a fair manner. They know it's not 0.3%, I know it. And you know it. Scenario - if I, or a BTC maxi, or even God forbid Ripple, want to sell more XRP without the intelligent audience realizing it - what prevents it to spin up a couple of Chinese exchanges and pump up the numbers? In a regulated market that won't fly.
  33. 12 points

    Epic Pennant on BTC Chart

    @TheXRPNinja obviously i understand the percentage gain difference - but picking the bottom is an elusive trick. if you can do it Great! My point is we are in the buying zone and it's a better idea to not miss out waiting for a price that might not happen. As I mentioned I bought litecoin starting in November and bought every day from $45 all the way down to $23 (I paused for one day at the low and missed out on like 4 extra litecoin which I'm still upset over) then back up to $39. If I had waited and bought all at $23 I'd probably have double my current stash, but who knew it was going to $23. I agree it's better to make 2,000% than 1,000%, but trading isn't micro surgery - it's killing a mosquito with a shotgun. (does that saying make any sense, i just made it up?)
  34. 12 points

    SEC and escrow

    The SEC doesn’t make rulings, their job is to “enforce” the existing securities law. In my personal opinion, if the SEC wanted to bring an enforcement action against Ripple regarding XRP (which would then leave it up to a court to provide the actual ruling), they would have done so already. Furthermore, public opinions or “guidance” provided by SEC does not constitute actual law. It is merely a statement of the agency’s position. Like any government agency, the SEC has limited resources at its disposal. Going after Ripple/XRP would not only be a very expensive endeavor, it is also not a clear cut and dry case from a securities law perspective. The SEC is much more likely to spend their resources going after ACTUAL scams and blatantly fraudulent ICOs etc.
  35. 12 points

    Chat: [Study Group] Introduce Yourselves

    Hi! I'm Bob. I'd like to present and discuss some material I have on XRP, the XRP Ledger, "rippling" payments, financial systems, money, blockchains and more. I hope you will bring your personal experience to the discussion so I can learn about new business and monetary needs. We can then discuss how best to apply "rippling" technologies to help solve those problems. My name is: Bob Way. Please call me "Bob" rather than Mr. Way. I'm also known as: @bob_way on twitter I am monolingual (English only) and tend to bias my discussion with Americanisms. I'm hoping y'all can help fix that. I'm currently in Houston, TX on central daylight time (GMT -5) I'm hoping to travel to meet other regional teams, but I'm too flaky for you to count on as an actual team member.
  36. 11 points

    Q1 2019 XRP Markets Report

    Taking volume data from CMC and programmatically selling percentage based on that is borderline criminal.
  37. 11 points
    Hey all. My name is Ben. I go by Maddog28 on twitter. You can call me either Ben or Maddog. I'm from Vancouver, Canada. I really want to be able to share and answer the questions that i get on a daily basis. Mostly, i want to learn about how everything works, so i can address all of the misconceptions that come up on a daily basis. Really interested in learning as much as i can about ripple and the XRP Ledger and all the problems it can solve. I am a recording Engineer as as well as a bunch or other things. Ive helped a few youtube content creators improve on their setups, with reguards to audio quality. I think people in the crypto space are so afraid of what others think, that they are terrified to talk about what the potential of XRP really is, for fear of mob mentality, ripping them a new a** Im hoping to learn the full potential of the Ripple products and how they integrate into the XRP ledger. Does any of this make sense? Cheers all.
  38. 11 points
    Hello All Im Matthew Mariano, Twitter Matthew LINY Youtube Hike-Around American living in Long Island NY EST Earth Science Teacher (18years) , Hoping to be of service to this community in any way I can. Experienced at presenting and researching information. Fascinated by this community, try to say up to date with trends and tech driven movements to keep my students up to date.. that's how i found all of you! Digital Revolution lets go!
  39. 10 points
    "By leveraging blockchain infrastructure and crypto exchanges, may have an added advantage. The company can activate its already massive user base in the region and solve the same last-mile payments problem by partnering with regional crypto exchanges as on and off ramps to the Facebook super app." Birla has basically just described xRapid.
  40. 10 points
    All the big tech companies have been chasing Payments for over a decade. Looks to me like they all did a swing and a miss, while Ripple has stepped up to the plate and hit a grand slam. Fbook will fall in line along with the banks. Not sure how this will change their business model? This all opens up many options, so many ways for the value to flow through their network.
  41. 10 points
    When I bought XRP a few years ago, I was fully aware that I bought a token of which a single company possesses 60%, that they were slowly selling with the ambition to build an extremely profitable enterprise around it. I considered that a brilliant plan, far superior over wasting the equivalent amount of money on electricity, to achieve far worse results in terms of transaction speed and capacity. I still think that is a brilliant plan today. If you don't like that model, there are over 2000 other tokens to choose from, including fiat tokens. Good luck with finding one that has better technology and a better plan.
  42. 10 points

    Answer: Bank's and XRP

    Just to be clear, I have great respect for Brad as a leader and also complete confidence in the direction he has steered Ripple. If I didn't I wouldn't be holding XRP nor here talking to all of you. However, Brad and I don't have the super close friendship I feel for Stefan, David, Arthur, Nik, Rome and many other Ripplers. I'll defend my friends to my dying breath. But expect me to give Brad some **** if I ever think he makes a bone headed move. After all, he still is "the new guy" to me. That said, let's be a little realistic when we analyze what happened in 2018. Through January while XRP was up 1,000 times in six months, everyone in banking thought they might get promoted for recommending their bank jump on the XRP bandwagon. Later in the year, with cryptocurrency down dramatically, those same people were likely wondering if they would be fired for suggesting they push forward with cryptocurrency. After all banks pride themselves on stability. Going "all in" on volatile assets is not how most banks want to be publicly perceived. But here in 2019, Small banks are still being overcharged by big banks for the international payment services they need to provide their customers. Remittance companies still have liquidity problems and trouble getting banked. Customers are still having payments go missing, even after paying exorbitant amounts. The problems are still real. RippleNet and xRapid's solutions still solve them. What I expect to see is: Smaller banks and payment services companies moving the fastest towards XRP as a new liquidity alternative. People at those banks get promoted for creating better and cheaper services for bank customers. Larger banks favoring RippleNet's end-to-end payment synchronization solutions. Nobody ever gets fired for improving internal efficiency, reliability and compliance of traditional products. That's my bet on the next steps toward money's future.
  43. 10 points

    NASDAQ / TDAmeritrade Crypto Pairs

    So first thing, the rumor is NASDAQ, but I have no proof NASDAQ is doing anything here, other than past rumors. I did however login to the paper trading side of the TDAmeritrade platform ThinkOrSwim and searched for the symbol that was rumored to be BTC/USD and this is what I saw
  44. 10 points

    Epic Pennant on BTC Chart

    Not bad, but I'm still expecting bitcoin to resume it's November price around $6k-$7k - again I expect the trading to look like periods of nothing then big moves of $500+ days on high volume, and I expect them to happen soon. Not sure if all the talking heads on CNBC and Youtube that had been calling for capitulation have come over to where I've been since January 30 ,but once we regain November price levels I'm sure they will. Right now I have the price running about 3 weeks behind where I thought it would be (which is annoying) and so I would guess my conjecture that bitcoin would retake it's ATH in November will probably be pushed back as well. Then again Crypto loves to surprise. We are looking good. As far as XRP goes - XRP marches to the beat of it's own drum which either precedes or lags the bitcoin market by weeks/months but does move in the same general direction. I don't know when it is going to move but like I said before IMO, anything below .40 is a good buy for XRP and at the moment it is the only thing I would be buying. Buy these coins before they move. Right now XRP looks like the ugly girl at the dance, and it's basically the only coin whose price hasn't moved since December - this won't last forever.
  45. 10 points
    Good Day XRP Community. I'm so excited to see everyone in here, this is going to be great. My name is Justin & I am the individual behind the XRP Africa Youtube & Twitter handles. I was born on the African Continent, in a country called South Africa. I have had the opportunity to travel to many African Countries, As I represented the country of Zambia for Off Road Racing . As such, having the opportunity to see some really rural & beautiful places. One really learns a lot when having the odd moment with the village elders, as to hear about the change they have seen in their lifetime & how they dealt with it. Thus teaching me a lot about what each country is experiencing & where the opportunities lay with regards to bettering peoples lives in those given countries. If you have seen my Twitter or Youtube Page. You will see that I am one for Charity, As people have only ever been to kind to me. I shall be the same to others. What got me interested in Crypto? I was just a young boy, looking up at my wall & thought... If Africa had 1 unit of currency. The "Africa Union Currency" It would make trade in Africa a lot easier & more secure. As well as giving African Countries & their Leaders responsibility to other African Countries using the same currency. Fast Forward 15 years. We now have the solution. But for the whole world. Kindest Regards Africa
  46. 10 points

    Chat: [Study Group] Introduce Yourselves

    Hello everyone, Very excited to be here! :) I am really looking forward to be able to learn from Bob and others from the group. :) I am coming from a small European country, Serbia, and I have really enjoyed learning about the DLT/blockchain in general, but I think that the XRP Ledger can offer the most, hence my interest in this study group. Most of the people from Twitter probably recognize me, but if you don't, my handle is @jeremy_87110. I see already that there are some great individuals here but I think that as a group we can achieve even more. :) I'm looking forward getting to know you all. :)
  47. 10 points
    Greetings humans. I'm from Cancun, Mexico (EST). You can contact me at criptomonster23@gmail.com I'll be uploading videos in spanish, with the latest news and info. BTW, this is the link to my just opened youtube channel. https://www.youtube.com/channel/UC6CN_g4a4zYtlg92igUBb8Q?
  48. 10 points
    Hello Bob and fellow study groupers! I prefer to be called “DJ” and reside in the Eastern United States, which puts me in the EST time zone (GMT -4). I’m an English speaker only but am very excited to be amongst such a diverse group of individuals within this study group. Aside from my full time job and small business, I am a Moderator for the XRP-Community Telegram chat which has approximately 650 members and growing. The link for this group is- https://t.me/joinchat/HmqGD0ei49RlrF0LGerb_A. My Telegram handle is @Foxborough6 I can also be found on Twitter as @Tom T_XRP I am very excited to be a part of this adventure and look forward to getting to know everyone, maybe one day meeting many of you! I’d love to assist any way I can as we work toward the common goals of not only educating current and future XRP Community members but growing the Ripple / XRP ecosystem as a whole. Some of my specific strengths consist of writing, proofreading, and editing but am certainly flexible with any assigned tasks. Overall I am just here to learn and absorb as much information I possibly can from Bob and all of you. Hope you all had a fantastic Sunday!
  49. 10 points
    Hello all my name's Mikey. I'm UtopianHive on twitter and my website is https://www.vote4tomorrow.com I am from England. London Timezone (GMT+1). Yes I would like to participate in a regional team. I am looking to build my charity's finances on the XRP ledger. The direction I am going to take the charity in will require me to have a great deal of knowledge about the movement of value on the XRP ledger so that I am able to support the splinter projects built from the core premise. I am fond of chocolate.
  50. 9 points

    Dumping again...

    Guys I have been invested in xrp since mid 2017, I will let you in on a secret. In a bear market, set an alert on you phone via blockfolio, for a price like $.60 or higher. And forget about the market. If you have done your research, and are comfortable with the money you have invested, just set and forget, and let it ride the crypto roller coaster. You will sleep better and have a nice surprise one day when your alarm goes off.
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