ZAC

Hi, I am a very new in this digital currency. Question: Without holding XRP account is it not possible to use XVIA payment as payment provider? Question: what will be the another alliterative to use ripple solution, whrere country not legalized the digital currency Central Bank are not giving permission for digital currency. As i know if all the digital currency is banned by regulator still ripple will be there. Question: Then why not we leave xrp and use only the platform