Chat: New Ideas for using the XRP Ledger - Formerly "Most of you are amazed at what Ripple is doing, but you are looking at it wrong." in Topics Posted March 16 10 hours ago, mDuo13 said: No, he's talking about the original "Ripple" idea where people just track how much money they owe each other (in whatever denominations) and use those to pay their debts rather than exchanging physical assets or centrally-issued (digital or otherwise) notes. A core idea behind Ryan Fugger's "Ripple" was that you could net out a bunch of these payments with powerful computer system. The Ripple (now XRP) ledger built on top of this with the idea that if there was a generic token in the system, you could use that to automatically bridge all the gaps in credit. This is how the TransferWise model works for “international transfers” they don’t actually move any assets physically across borders at all. @BobWay was anyone from Ripple involved in the inception of TransferWise and took that initial thinking with them?