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mars75

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mars75 last won the day on December 7 2017

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  1. https://mobile.twitter.com/emy_wng/status/954531000058392576 We are at a crucial point in the technological revolution, one which may see computing, IoT, security, machine intelligence, and blockchain become foundational to our future digital world. Ant Financial has spent the last decade developing technologies that support various financial services, from the earliest online payments to wealth management, micro-loans, insurance, and internet banking. And it has built strong technology capabilities in credit assessment, risk control and reaching customers, all of which are critical for financial services. But the value of technology isn’t in itself, it’s in the solutions it brings to bear on the problems facing us, both present and future. As a technology company, Ant Financial strives to innovate and use its technologies to bring equal access to financial services. In this conference, we will share how Ant Financial is using the power of technology to explore innovations in the financial field, and through dialogues with leaders of the fintech industry, delve into the future developments of technology and finance.
  2. (please check my profile for prior threads: this post builds off my country threads) ***"this is all speculation"*** The Monetary Authority of Singapore For several years now, the Monetary Authority of Singapore has taken a proactive approach in exploring and trailing blockchain technology for it’s possible application into their financial system. Since 2016, MAS (Monetary Authority of Singapore) has established a regulatory sandbox allowing Fintech companies to experiment within regulatory parameters.¹ MAS has also collaborated with Deloitte, R3, and a consortium consisting of HSBC, J.P. Morgan,Bank of America Merrill Lynch, and etc. on Project Ubin. Project Ubin is a proof-of-concept (PoC) of interbank payments being facilitated by distributed ledger technology (DLT). The blockchain also introduced the concept of a digital SGD (Singapore Dollar) within the ledgers that is distinct from all current existing forms of digital central bank money. With Project Ubin’s ultimate goal is to explore and help reduce risks and costs for cross border payments and securities.² MAS has even taken a step further in nurturing the FinTech environment by signing multiple FinTech cooperation agreements with overseas financial regulators including Financial Conduct Authority, UK (May 2016), Australian Securities and Investments Commission (June 2016), Swiss Financial Market Supervisory Authority (September 2016), Korean Financial Services Commission (October 2016), Autorité de Contrôle Prudentiel et de Résolution and the Autorité des Marchés Financiers of France (March 2017), Financial Services of Agency, Japan (March 2017) and the Danish Financial Supervisory Authority (June 2017). In a CNBC interview this past October, Sopnendu Mohanty (chief fintech officer of the Monetary Authority of Singapore ) stated that in regards to Project Ubin’s collaboration between MAS and the consortium of banks.³ With the successful conclusion of Project Ubin last March, MAS stated that it was “in the early stages of discussions to develop links from Singapore to other countries using DLT to allow cross-border payments to settle directly using central bank accounts.”⁴ Which exactly aligns to implied future explorations on Project Ubin, cross border payments.⁵ The innovation occurring in the environment of Singapore has caught the attention of several nations due to it’s potential disruption in the current financial system. One nation being Bahrain, a country that has ambitions to be completely integrated in blockchain technology by 2020.⁶ The Economic Development Board (EDB) of Bahrain being tasked with this goal, has been observing MAS and their progress. Eventually leading to Bahrain having discussions with Singapore’s central bank to devise plans for a pilot blockchain project in the Gulf state.⁷ Potentially being a foreign partner in foreign currency transactions that Ravi Menon (the managing director of the central bank of Singapore) had hinted Project Uben wanted to explore in future phases of the project. And this further developed this past November when MAS disclosed that “a collaboration on cross-border payments with the Bank of Canada using blockchain technology” had been reached.⁸ The collaboration intends to expand Project Ubin beyond Singapore’s borders to Canada’s counterpart, Project Jasper. An interbank payment system developed by Canada’s central bank based off of distributed ledger technology.⁹ Gradually overtime, Singapore’s central bank has been able to negotiate and form partnerships with other central banks to explore the utilization of distributed ledger technology into the financial system and possibly build corridors based off the technology with one another. Enter Ripple When MAS was forming the FinTech regulatory sandbox in 2016, Ripple was sought out as a consultant for the establishment of the project.¹⁰ Not only did this demonstrate that Ripple is viewed as a leader in the FinTech space but that the company has expertise in understanding the importance of regulatory compliance between companies and regulators. Along with that, Ravi Menon (Managing Director of MAS) praised Ripple for having a solution to real-time gross settlement, currency exchange, and remittance thru DLT. Menon also stated that, MAS reaching out to Ripple also revealed that government institutions such central banks and financial regulatory authorities have been consulted and in discussions with Ripple for cooperation in the development of projects. Which is evident by the number of proof-of-concepts Ripple has participated with both central banks and regional banks. In latter reports on Project Ubin progress released by MAS, the central authority revealed that a prototype integrating the Ripple blockchain for Peer-to-Peer (P2P) transactions across geographies would be trialed.¹² While in Singapore these past few weeks, multiple news outlets are reporting that Ripple is in discussions for its technology to be part of the MAS's blockchain experiment in cross-border payments.¹³ ¹⁴ The Bank of England also held it’s own proof-of-concept (PoC), selecting Ripple to help to demonstrate cross-border payments and settlement using two different Real Time Gross Settlement (RTGS) systems.¹⁵ The PoC intention was to demonstrate synchronisation of cash movements made using two simulated RTGS systems utilizing the open-source Interledger Protocol (RippleNet). The results of the PoC were ultimately shared later last year with words of encouragement for Ripple’s technology.¹⁶ The Bank of England sharing thru a report, The report ended by disclosing that Implying that the Bank of England and Ripple’s discourse has yet to end and leaving an open question on the possible utilization of XRP as a liquidity solution. And we know that Ripple has been holding discussions with several central banks and authorities thru social media. Notable examples such as Ryan Zagone (Director of Regulatory Relations at Ripple) with the central bank of Indonesia and Dilip Rao (Global Head, Infrastructure Innovation at Ripple) with Bahrain EDB’s Khalid Saad. Interestingly enough, this past December EDB’s Khalid Saad gave an insightful interview to Singapore Business Review on Bahrain and Singapore’s relationship in the financial technology space. When asked about Singapore’s innovation in FinTech, Saad replied by saying Also elaborating to a question regarding both country’s collaborations, With Saad’s photo with Dilip Rao, Bahrain’s intentions to build a corridor between themselves and Singapore, and MAS wanting to expand Project Ubin to partner countries utilizing RippleNet for cross-border payments, it certainly leaves the strong possibility that Ripple will more than likely be involved. And there is one other subtle but odd coincidence in regards to Bahrain and Ripple. There is, and appears to be an increasing an amount of nodes within Ripple’s network displaying conflicting time zones that are intended for the Bahrain region. One other noteworthy point, Khalid was appointed as CEO of Bahrain FinTech Bay (“BFB”).¹⁹ Saad will oversee the implementation of BFB’s long and short-term objectives which will certainly align with the nations goal to have country wide adoption on blockchain technology by 2020. Returning to the previously mentioned collaboration between the central banks of Canada and Singapore on cross-border payments based on the utilization of DLT, unveils subtle connections to Ripple.²⁰ MAS is not the only participant with ties to Ripple but the majority of the participants in Project Jasper have individually trialed Ripple technology or collaborated with the company.²¹ Banks and collaborators consisting of the Bank of Montreal, CIBC, Royal Bank of Canada, Scotiabank, TD Bank, and R3 have all direct trials and collaborations with Ripple at some point in time.²² ²³ Essentially if not all, almost all Project Jasper participants are cooperating with Ripple already. In the latest report released on Project Jasper, future exploration on central bank to central bank digital cross-border currency exchange is a priority. Specifically on how might a single-currency DLT zone best be connected with other currencies .²⁴ The report puts the central banks collaboration into perspective while Ripple blockchain technology seems to be the next logical step to be trialed. Ripple’s prominence in the finance world has grown so much that just this past November, Ripple alongside the IMF, held a Central Bank Summit in New York City. The summit was able to gather more than two dozen central banks from around the world. The summit provide the right environment to provide Both the IMF and Ripple also went in depth on the current financial system’s structure and shortcomings in cross-border payments. Proceeding with the advantages of adopting distributed ledger technology and the issuing of central bank digital currencies.²⁶ The collaboration between Ripple and central banks is just at the beginning as Ripple now has a Infrastructure Innovation team geared towards central banks and market infrastructures that will focus on What the Future Holds It is safe to say that Ripple has not only positioned itself excellent in regards to central banks and regulators, but Ripple’s technology including it’s network and XRP, will also be compliant to however central authorities will want to impose regulations on cryptocurrencies. Implying that XRP will meet KYC, AML, and CTF standards in order for the digital asset to be adopted for both institutional and commercial applications. And because of the familiarity with RippleNet and understanding of XRP, central banks will be less likely to ban the digital asset outright considering it’s potential utilization as a liquidity solution for the markets. Both scenarios alluded to by MAS just this week, With Ravi Menon speaking on blockchain technology and cryptocurrencies, and mentioning that Currently regulators are beginning to cooperate with one another with the intentions to how properly regulate and address the growing cryptocurrency market.³⁰ Luckily both Ripple and XRP will probably be spared of any outright prohibitions of cryptocurrencies in the future, as most regulators will have at least been in discussions with the company in the past. An example being both Chinese³¹ and Japanese authorities being joined by South Korea for the regulations on cryptocurrencies in the region when the former group has held discussions with Ripple. One thing is certain though: in regards to central banks, authorities and regulators, both Ripple and XRP are in the perfect position to be potentially adopted for global application soon. Sources 1. http://www.mas.gov.sg/Singapore-Financial-Centre/Smart-Financial-Centre/FinTech-Regulatory-Sandbox.aspx 2. https://www.opengovasia.com/articles/7845-mas-introduced-sgd-on-ledger-concept-for-blockchain-based-interbank-payment-system-poc 3. https://www.cnbc.com/2017/10/26/singapore-cryptocurrency-blockchain-trial.html 4. http://www.mas.gov.sg/News-and-Publications/Media-Releases/2017/MAS-working-withindustry-to-apply-Distributed-Ledger-Technology.aspx 5. https://www.cnbc.com/2017/10/26/singapore-cryptocurrency-blockchain-trial.html 6. https://www.ccn.com/bahrain-signs-fintech-pact-singapore-amid-plan-country-level-blockchain-adoption/ 7. http://www.arabianbusiness.com/bahrain-in-talks-with-singapore-on-blockchain-pilot-665012.html 8. http://www.mas.gov.sg/News-and-Publications/Speeches-and-Monetary-Policy-Statements/Speeches/2017/Singapore-FinTech-Journey-2.aspx 9. https://www.ccn.com/singapore-canadian-central-banks-unite-blockchain-cross-border-payments/ 10. https://ripple.com/files/ripple_mas_sandbox_consultation_07_2016.pdf 11. https://ripple.com/insights/singapores-continued-investment-in-banking-innovation/ 12. http://www.mas.gov.sg/~/media/ProjectUbin/Project Ubin SGD on Distributed Ledger.pdf 13. http://www.straitstimes.com/business/companies-markets/cryptocurrency-player-ripple-keen-to-set-off-blockchain-waves-in 14. https://themarketmogul.com/ripple-singapore/ 15. https://ripple.com/insights/ripple-selected-to-participate-in-the-bank-of-england-fintech-accelerators-exploration-of-the-use-of-blockchain-for-global-rtgs/ 16. https://ripple.com/insights/results-of-the-bank-of-englandripple-proof-of-concept-published-today/ 17. https://www.bankofengland.co.uk/-/media/boe/files/fintech/ripple 18. https://www.bahrainfintechbay.com/single-post/2017/12/13/Everything-you-need-to-know-about-Singapore-and-Bahrains-FinTech-relationship 19. https://www.bahrainfintechbay.com/single-post/2018/01/14/Press-Release-Bahrain-FinTech-Bay-appointment-of-Chief-Executive-Officer 20. https://www.ccn.com/singapore-canadian-central-banks-unite-blockchain-cross-border-payments/ 21. https://www.coindesk.com/bank-canada-demos-blockchain-based-digital-dollar/ 22.https://twitter.com/Ripple/status/659442643827474432?ref_src=twsrc^tfw 23. https://ripple.com/insights/ripple-and-r3-team-up-with-12-banks-to-trial-xrp-for-cross-border-payments/ 24. https://www.payments.ca/sites/default/files/29-Sep-17/jasper_report_eng.pdf 25. https://ripple.com/insights/ripple-hosts-worlds-central-banks-to-explore-next-generation-of-payments/ 26. https://www.imf.org/en/News/Articles/2017/11/01/sp103017-fintech-and-cross-border-payments 27. https://ripple.com/insights/exploring-innovation-payment-system-infrastructures/ 28. https://www.crowdfundinsider.com/2018/01/127084-singapore-deputy-pm-responds-amlanti-terror-financing-questions-regarding-cryptocurrency/ 29. https://www.ccn.com/singapore-central-bank-chief-wants-cryptocurrency-to-survive-crash/ 30. https://www.coindesk.com/report-south-korea-eyes-joint-crypto-regulations-with-china-japan/ 31. https://cointelegraph.com/news/ripple-talks-with-peoples-bank-of-china-key-to-chinese-blockchain-market
  3. Ripple - South Korea

    Bump, Woori Bank https://www.xrpchat.com/topic/15852-korean-shinhanand-woori-bank-confirmed-ripple-transactional-network/
  4. Ripple - Lyft & Uber

    Not necessarily saying this is the rumored big "two" household names, just companies that stand a good chance to adopt in the future (if they haven't already). Only thing that convinced me to share were those wallet testing.
  5. Ripple with Gates Foundation: https://www.xrpchat.com/topic/7598-ripplegates-foundationindia/ Ripple in India: https://www.xrpchat.com/topic/9189-ripple-india/ Ripple in the UAE, Bahrain, and Singapore: https://www.xrpchat.com/topic/9760-ripple-singapore-bahrain-the-uae/ Ripple in South Korea: https://www.xrpchat.com/topic/10628-ripple-south-korea/ Ripple with VISA, MasterCard, AliPay, Tencent connections: https://www.xrpchat.com/topic/12720-ripple-marqeta-visa-mastercard-alipay-airwallex-mastercard-tencent-uk-eu-sepa-zones/ ***THIS IS ALL SPECULATION*** Back in 2014, Cross River Bank became one of the first U.S. based banks to use Ripple to offer itself and their customers, real-time international payments between the U.S. and Western Europe. https://ripple.com/ripple_press/cross-river-bank-to-integrate-ripple-for-real-time-international-payments/ Since it's formation in 2008, startups have sought after Cross River's services as the bank allows access to payment rails and wire systems. Allowing new companies to focus on customer acquisition and growth rather than meeting financial regulations. The bank has become so desirable for fintech startups that back in November 2016, investors such as Battery Ventures, Ribbit Capital, and Andreessen Horowitz (Ripple Investor) raised $28 million for the bank. Thus allowing the bank to have more capital for their investors fintech startups to take advantage of. https://techcrunch.com/2016/11/01/cross-river-bank-gets-unconventional-validation-with-a-28m-vc-round/ Cross River does not only offer finacial support but the bank offers several services to companies with one being in the consumer mobile payment area. Ben Isaacson of Cross River continued to share, http://www.tearsheet.co/payments/how-cross-river-bank-plans-to-bring-mobile-payments-to-business-customers The development of this area for both Uber and Lyft has been of upmost importance for them for years now. It's what lead to the development of Uber's InstantPay and Lyft's ExpressPay but even then, these services don't fully meet the demand. & https://www.paymentssource.com/news/lyft-claims-most-faster-payment-strategies-do-not-fit-its-needs Uber and Lyft have even gone as far to say they are willing to develop their own mobile wallets due to the lack of solutions in the current market. https://www.paymentssource.com/news/will-uber-and-lyft-build-mobile-wallets?tag=0000015d-197c-d359-a9df-9b7c1b670000 With speculation of both Uber and Lyft developing their own mobile payment wallets, there is a tie to Ripple besides Cross River Bank. Back in 2014, there seems to be evidence of an apparent pilot conducted by Ripple employees that revolved around the business models both Uber and Lyft employ. One could argue that the reason it never became adopted and used back then was due to the network being unable to scale (a problem that has now been solved this year). Whether or not it was a pilot conducted with Lyft, it shows the potential application of XRP in their business model. And to reiterate an extremely important point, XRP application is highly desirable in high volume, low value transactions. https://bithomp.com/explorer/rHXDjZwx8VNiPv5UqanfgZEm1KKoPdSknn https://bithomp.com/explorer/rhhu5WsKNvBXAZAQYEx8bpLhNVdkryipiH And this past November, one headline in the news in regards to Lyft caught my attention. "Lyft announces its first international expansion" http://money.cnn.com/2017/11/13/technology/lyft-canada-toronto/index.html "Ride-sharing app Lyft, which has seen its market share surge in the last year as rival Uber has struggled, is expanding outside of the U.S. for the first time with plans to launch in Toronto." http://fortune.com/2017/11/13/lyft-expands-into-canada-toronto/ It'll be interesting to observe as time passes on whether or not Uber and Lyft will ever publicly adopt Ripple technology for their payment systems. But from a technical and finacial standpoint, adoption would resolve many of the current issues both companies face when it comes to achieving real time payments solutions. High volume, low value payments...
  6. SBI - Huobi partnership

    Just how SBI VC will be the liquidity pool in it's region, Huobi more than likely will be as well for China. Means that exchange will likely be hooked to the XRPL for xRapid transactions going in and out China.
  7. Escrow!!!!

    @Malloy PUMP IT UP!
  8. https://ripple.com/insights/ripple-escrows-55-billion-xrp-for-supply-predictability/
  9. Escrow!!!!

    Escrowww!!!! https://xrpcharts.ripple.com/#/transactions/686FCA8F58041156482DABA782E053979626EB4126F3BFE3B9E401FBC143586A https://xrpcharts.ripple.com/#/transactions/F579BD3BF579A35D0F3C57653B3D1E617F29480F0261CF22481A59DB3855C372 https://xrpcharts.ripple.com/#/transactions/8250F008DDEFD54C539051DADC9DD890EF1E3DC7D64101697B4E5CF9EC5BF39E https://xrpcharts.ripple.com/#/transactions/2C8BC62AD15B585B44E75BC136A3511218ABD1B50D7B106817F4B751B722CAF1 https://xrpcharts.ripple.com/#/transactions/FA3907D4B84EB14415D412522CA8A637958259812B997F5E9E4AA51513F5D467 https://xrpcharts.ripple.com/#/transactions/63D847EE7D5691B45E6E1A4AD4E5DA715C78066A9D18DA56C53D1D6E23E8DCCD https://xrpcharts.ripple.com/#/transactions/7BDD6A96BF69F01F77CCD9B83ABED4607353EF12AEA86FD55F361D51E56FB37F https://xrpcharts.ripple.com/#/transactions/79D2751073BD932E962BD56EF7C7F02B21549322C25A8BEE5CD7BE2D161575C5 Give some praise to @Kakoyla ! I wouldn't have been able to get tipped off if it wasn't for him!
  10. The Very Beginning Shift/Shift Payments Since 2014, Ripple has been experimenting on multiple projects developing a debit card that would allow owners to easily spend their digital currencies. It first began as a joint effort along side Shift Payments to create the "Shift Card". Which the project was focused on https://ripple.com/insights/a-debit-card-powered-by-ripple/ The prototype card was integrated with both Coinbase and Ripple accounts at one point with the partners wanting to integrate the card with loyalty point programs and regular bank accounts in the future. Ripple was planned to be used for the settlement protocol for payment between fiat currencies, digital currencies, mobile minutes, etc. And in further innovation, https://techcrunch.com/2014/08/12/shift-is-developing-a-debit-card-that-lets-you-spend-digital-currency-loyalty-points-and-regular-money/ It would later be released that Shift Payments, now Shift, was introducing a VISA backed Bitcoin debit card. Suggesting the probability Ripple had been introduced to VISA long ago.... https://techcrunch.com/2015/11/20/coinbase-partners-with-shift-payments-to-issue-bitcoin-debit-card/ Unfortunately nothing came from it and the test wallets they used for the pilots have become dormant for several years. (although the main wallet has 375k XRP just sitting there) https://bithomp.com/explorer/rKbtT6j1JGjFnwkUp2Na1W8XE5Z79VsMYi https://bithomp.com/explorer/rpfFnyaChjzB8RNfT6VDYioFWfjghYXnvb Shift appears to have moved on but a possible explanation as to why nothing arose from it might be how cryptocurrencies were not favorably perceived in 2014. However one of the co-founders of Shift, Meg Nakamura added that https://techcrunch.com/2014/08/12/shift-is-developing-a-debit-card-that-lets-you-spend-digital-currency-loyalty-points-and-regular-money/ Whether they ever use Ripple or not in the future is up for debate but one of Shift's co-founders was Gregg Kidd, the chief risk officer at Ripple during the time. Interesting enough both founded Hard + Yaka, a fund that makes early round investments in exchange space startups. Previous investments? Global ID, Gatehub, Ripple, Coinbase, Shift, Bitso (expect XRPL to run thru it), ShapeShift and to our next topic of conversation.....Marqeta. http://hardyaka.com/ Marqeta Marqeta is an open API payment card issuing platform that has been enabling businesses to process credit and debit card payments. Marqeta has been establishing itself as a big company that has attracted notable clients and investors to utilize it's technology. Facebook and Oink are example of clients while this past July, VISA made a strategic investment in the company and formed a partnership to drive further innovations in commercial and consumer payments globally. https://techcrunch.com/2017/07/26/visa-marqeta-25m/ http://www.businesswire.com/news/home/20170726005359/en/Visa-Marqeta-Form-Global-Partnership-Drive-New https://www.pymnts.com/news/partnerships-acquisitions/2017/visa-and-marqeta-partner-to-transform-global-card-issuance/ https://techcrunch.com/2013/05/16/powering-the-facebook-card-marqeta-raises-14m-from-greylock-israel-to-recreate-the-starbucks-loyalty-card-for-merchants/ Marqeta is compatible with the Discover, MasterCard, and VISA networks. https://www.marqeta.com/api/docs/VhypzxwAANwA_Vgx/cards The CEO of Marqeta, Jason Gardner, has been very vocal and supportive of blockchain technology and it's possible applications. adding, It was also revealed in January 2016 that Marqeta had been working with Ripple on a defunct debit card product that would allow users to spend cryptocurrencies at traditional points of sale. https://www.coindesk.com/marqeta-ceo-bitcoin-blockchain-tech/ With the test wallets to prove this collaboration, https://bithomp.com/explorer/rwEFnxs7GQsHXBG9ARZNYcmBkZc81zphMC https://bithomp.com/explorer/rwYx6Mp1n8yMbGN9K4MkHsSNvibK4MPjQF (being really active last year and even doing fiat exchanges between USD and JPY) Only time will tell where this collaboration will lead to but it's safe to say that Ripple has really positioned itself well in regards to VISA and Mastercard. And one other interesting development has been Marqeta's new partnership with Ali Pay. https://www.finextra.com/pressarticle/71286/alipay-joins-with-marqeta-for-us-payments-play https://paymentweek.com/2017-10-27-alipay-marqeta-team-alipays-payment-processing-ambition/ http://www.businesswire.com/news/home/20171020005664/en/Alipay-Taps-Marqeta-Expedite-Payment-Acceptance-Retail One notable thing did occur (and is accelerating as we speak) this past March, Ripple introduced Payments Channels into the RCL/XRPL and ILP. Thus allowing the XRP Ledger to scale, https://ripple.com/insights/ripple-continues-to-bring-internet-of-value-to-life-new-features-increase-transaction-throughput-to-same-level-as-visa/ https://www.cryptocoinsnews.com/ripple-claims-transaction-thoroughput-now/ The network has now scaled enough to sustain the amount of transactions the VISA network sustains. One last note, https://www.finextra.com/newsarticle/31227/wirex-and-sbi-holdings-team-on-japan-cryptocurrency-payments-card AirWallex Ripple partners with ties to major credit card issuers don't end there. AirWallex is an international payments startup that is based in Australia that in October, it's partnership with Ripple became publicly disclosed. https://ripple.com/ripple_press/ripples-blockchain-network-now-100-strong/ This past May, AirWallex held a Series A Round in which it raised $13 million dollars in funds for the company. These investors included MasterCard, Gobi Ventures/Partners which is one of Alibaba's investment managers, and Tencent leading the investment round. Tencent's WeChat has roughly 980 million monthly users, with users sending about $1.2 trillion in mobile payments in 2016. Along with mobile payments in China, Tencent wants to expand WeChat Pay usage to other regions including South Africa, Philippines, and Malaysia. https://bankinnovation.net/2017/04/alipay-wechat-processed-3-trillion-in-2016/ http://news.abs-cbn.com/business/11/22/17/wechat-pay-launches-in-philippines-with-asia-united-bank http://www.marketing-interactive.com/tencent-confirms-plans-to-launch-wechat-pay-in-malaysia/ http://blog.wechat.com/2015/11/25/south-africa-launches-wechat-wallet-the-first-country-officially-outside-china/ And there is one more region that AirWallex is targeting thru a formation of a partnership this past week, Europe. On December 1, AirWallex announced a partnership with Railsbank to enable AirWallex also became Railsbank's Airwallex’s VP of Europe Expansion, Michael Stachowiak speaking on the partnership shared, https://www.finextra.com/pressarticle/71788/airwallex-joins-railsbank-platform https://www.pymnts.com/news/b2b-payments/2017/airwallex-railsbank-international-payments-partnership/ Along with it's partnership with AirWallex, the previous day Railsbank was one of eleven companies to be chosen by MasterCard to be included in it's Start Path program. With Railsbank being chosen for it's ability to give companies access to global banking networks thru APIs. https://www.finextra.com/pressarticle/71779/latest-mastercard-start-path-program-includes-blockchain-digital-identity-and-healthcare-fintechs Want to know what happened on November 30? (same day of Railsbank and MasterCard's annoucement) The European Central Bank hosted a digital transformation conference that Ripple was invited to. https://www.ecb.europa.eu/pub/conferences/shared/pdf/20171130_digital_transformation_conf/Conference_brochure_20171130.pdf A panel which consisted of Banca Sella, the Central Bank of Netherlands, PayPal, and Ripple was held to speak on the disruptive potential of fintech innovations for the retail payments ecosystem. Want to know what happened on December 1? (same day as AirWallex and Railsbank's partnership) Brad gave us a nice tweet The VISA and MasterCard connections are there and more subtle Alibaba and Tencent connections to Ripple are surfacing. There's a lot of money between Europe and China in e-retail.............
  11. Ripple and WeChat

    nice job ruining today's surprise (no more hints next time)
  12. PayPal Xoom connection

    Bump https://us.money2020.com/sessions/reimagining-cross-border-payments-simpler-faster-cheaper-more-accessible
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