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  1. Ok, an additional messaging channel would be a possibility ( could be xcurrent ?). But payment-channels for IOU's (also think of CBDCs) would be an improvement.
  2. The transacting companies could manage their customerdata off the xrpl ( i think e.g. revolut does not activate one xrpl account for each customer) and only the sum of the customer balances is shown on xrpl, but they need the paymentinfo to assign the payment to the right customer in their database.
  3. Thank you nikb and at3n for your reply! I think at the moment and in the near future the xrpl has enough capacity to handle every incoming transaction. But in a few years from now, paymentchannels will be very important to deliver the capacity to process millions of transactions per second, when every thinkable value will be transfered through the xrpl. Therefore in my opinion some amendments have to be added (paymentchannels for iou's and Memos for every "micropayment" as long the channel is active). Then the capacity for payments is endless, if you think of networks of paymentchann
  4. The idea is following: Two companies or institutions establish a payment-channel for a certain amount of time and forward multiple payments of different customers through the channel. Is it then possible to add some Information to each single payment to assign it to different customers correctly?
  5. Thank you for the Information-link! But i could not find if it is possible to send some Information along with each micropayment before the channel is closed.
  6. If a payment channel is used, can there be Information ( e.g. destination tags) included for each micropayment or only for the summary of the payments if the channel is closed ?
  7. Does anybody know, if the use of payment channels is also possible for the transfer of iou's ?
  8. I think If it's true it either will be announced by the companies themselves or we can take a look at the main shareholder information of moneygram at any financial portal. It's also interesting, that one Share was over 200 Dollars before 2008 then it crashed and now its about 1,45 Dollar. I also thought about that they would be concurring their own customers. What does Amazon do ? Many companies are their customers and sell their goods. What If SBI bought the main Share of MGI ?
  9. I first invested in late 2017 before the last bull run. I only invested about 50 dollars just trying out the xrp. It was about 25 cent at this time. Then a few days later it skyrocketed to finally 3.5 dollars. Then i cought fire. I told some of my workmates about it. After the price came down, we drank some beer and i told them it would be a good idea to Invest some risk-money into xrp because of the high potential. During 2018 four of us including me met several times and bought some 1000 xrp. Now its an ongoing discussion theme and we hope its going up soon. So i inspired 3 people to Invest.
  10. Yes 1 xrp will still be 1 xrp, but plenty of them in my bags 🤣
  11. It is very interesting how the number of accounts changes over time. I always look at ledger exposed from Wietse Wind. Last month there were about 80-90k new accounts.
  12. I want to recommend the possibility of time escrows on the xrp-ledger to avoid panic sells of your xrp when price goes temporarily down. If you plan to hodl for a certain time you can lock your xrp. But beware of the end date. If you lock it until year 3000 you will never get it out before!
  13. I thought it was Importamt for ripple to be involved in the smart contracts. I think they have the ressources to recrute enough developers to fix the bugs.
  14. If you look at Wietse Winds ledger.exposed site there are actually 1.639.935 xrp accounts on the whole ledger. Assuming that every xrp user has more than one account there should be less than 1.6 million unique users. How big could this number be ?
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