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  1. Blog URL: https://coil.com/p/Hodor/Ripple-s-Q2-XRP-Markets-Report/PtwyGPFwt Ripple is altering its reporting 𝐚𝐧𝐝 restricting future sales! Read my analysis of the Q2 XRP Markets Report to learn about this important shift: 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: Ripple releases its Q2 XRP Markets Report; David Schwartz adds to his analysis of Libra; A new MoneyGram deal with a South Korean payment processor is announced; Ripple unveils its 'Advisory Board'; and Sagar Sarbhai comments on the importance of interoperability at the 2019 Bangkok FintTech Fair. 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: XRP Community developers create tools for monetarily rewarding XRP validator operators; Bithomp adds support for Ellipal; and Binance Singapore confirms its plans to support 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 Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
  2. Executive Order 13772- Check this out!---Executive order REPORT from Steve Mnuchin of the US Treasury to the President - (Mods, please move if necessary , thank you) Then while you're reading this press Ctrl-F and type in Ripple and you will see Ripple and R3 as two of the many firms listed as "Participants in the Executive Order Engagement Process" https://home.treasury.gov/sites/default/files/2018-07/A-Financial-System-that-Creates-Economic-Opportunities---Nonbank-Financi....pdf The report title is- "A Financial System That Creates Economic Opportunities Nonbank Financials, Fintech, and Innovation Here is the actual Executive Order 13772 Link but the reports and its contents are what we care about. The order is just a confirmation of telling us that Change is upon us. https://www.whitehouse.gov/presidential-actions/presidential-executive-order-core-principles-regulating-united-states-financial-system/ @Hodor Check this out-What do you think of this?
  3. Blog URL: https://coil.com/p/Hodor/XRP-Update-Real-Business-vs-Speculation/SIaCLtS6Q If you follow XRP, you'll want to read about the latest major developments, including the formation of a new nonprofit foundation! 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: CNBC interviews Brad Garlinghouse about Libra and blockchain regulation; The next SWELL conference is starting to become more well-defined; and Boubyan Bank becomes a member of RippleNet; 𝐂𝐨𝐢𝐥 𝐍𝐞𝐰𝐬: Coil pays out its second installment of the Coil Boosting Pilot program; The Puma Browser publishes a new version of its browser for iOS with Coil support; and DWeb publishes a short biography of Stefan Thomas. 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: Wietse Wind announces the new XRP Community Fund Foundation; Wietse Wind publishes a tool for encoding and decoding the new (optional) X-formatted XRP address; Rome Reginelli proposes the new TOML File specification; @DevNullProd shares its NYC XRP Meetup pics; Bitrue celebrates its one-year anniversary by scheduling an AMA with Curis Wang; Bitrue has decided to run its own XRP Validator; and Coingate offers cash-back for those using XRP for purchases. 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 Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
  4. Blog URL: https://xrpcommunity.blog/ripples-entertainment-industry-takeover/ Part one of today's double-feature! Ripple is aiming for the intersection between entertainment and content monetization. 𝐆𝐞𝐧𝐞𝐫𝐚𝐥 𝐂𝐫𝐲𝐩𝐭𝐨 𝐍𝐞𝐰𝐬: I explain why I recommend that XRP fans follow Scooter Braun, an entertainment industry icon. 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: Ripple invests $100 million in the monetization of gaming platforms, starting with an investment in Forte; and David Schwartz is interviewed by Sara Silverstein at the SXSW Conference. 𝐂𝐨𝐢𝐥 𝐍𝐞𝐰𝐬: Adrian Hope-Bailie announces the release of Rafiki, a new Interledger connector. 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: XRP Community 'breaks the internet' in an online poll; and Secalot and XRP Toolkit (RareData) work together to release a new hardware wallet. 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
  5. Not sure if this has been covered already in a previous blog entry. However, I just noticed that Ripple has made some additional changes to its BoD and has created a "Strategic Advisory Board." One of the two strategic advisors listed, Zoe Cruz, had previously joined Ripple's BoD back in late 2017. However, it appears she now serves as a Strategic Advisor to Ripple along with Anthony Lim, the former Managing Director and President (Americas) at Singapore’s Sovereign Wealth Fund, GIC Private Ltd. Wonder who will replace her on the BoD?
  6. Hi!!! Please someone can help me?? Yesterday my XRPTipbot was showing a 2004 XRP balance and today(without making any withdrawals) it is showing only 391 XRP wich i withdraw inmediately in order not loosing them...but there is a difference of 1613 XRP missing here...can anybody explain??
  7. Blog URL: https://coil.com/p/Hodor/XRP-News-Update-The-Internet-of-Value-Forges-Ahead/2CrYvDFta The IoV continues building out XRP's ecosystem: Find out about the most important news stories impacting XRP in today's blog! 𝐆𝐞𝐧𝐞𝐫𝐚𝐥 𝐁𝐥𝐨𝐜𝐤𝐜𝐡𝐚𝐢𝐧 𝐍𝐞𝐰𝐬: The Central Bank of Japan and the European Central bank publish Phase 3 Test Results for Project Stella. 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: Jeremy Light will be attending PayExpo for Ripple; and Brandon Wilson provides a preview of Codius Host 2.0. 𝐂𝐨𝐢𝐥 𝐍𝐞𝐰𝐬: Soar Payments interviews Stefan Thomas as part of its podcast series; and I share my 'Coil pick' for this week. 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: Reverend Ripple announces updates to his 'Solstice' service; Dev Null Prod announces details of the NYC meetup; XRP Productions releases another 'XRP Story'; DMM announces they'll be supporting a direct XRP-JPY pairing; and Bitpanda Global Exchange announces they will support XRP at launch. 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 Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
  8. Blog URL: https://coil.com/p/Hodor/Decentralized-Finance/cO5Dn8xhN Discover why Ripple is including decentralized finance as one of their primary Xpring targets, along with exclusive bonus content at the end for Coil subscribers! 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 Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
  9. Blog URL: https://coil.com/p/Hodor/XRP-News-Update-July-6th-2019/uqJp41yA7 There's a hidden gem in Ethan Beard's Xpring status report! Discover it & review the latest stories affecting XRP: 𝐆𝐞𝐧𝐞𝐫𝐚𝐥 𝐁𝐥𝐨𝐜𝐤𝐜𝐡𝐚𝐢𝐧 𝐍𝐞𝐰𝐬: BIS publishes a paper analyzing BigTech's move into banking services; and Binance.US appoints a familiar face as its CEO. 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: Ethan Beard publishes the first status report for Xpring; and Ripple deploys a new XRP Ledger explorer. 𝐂𝐨𝐢𝐥 𝐍𝐞𝐰𝐬: Wietse Wind publishes the steps for those wishing to generate their own ILP Payment Pointer. 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: XRPL Labs reveals initial UI screenshots for Xumm; and Nixer publishes fresh XRP Tip Bot statistics. 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 Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
  10. Blog URL: https://coil.com/p/Hodor/XRP-News-Update-Two-Quarters-Done/fgahtd5T7 With 2019 at the mid-way point, I pause to examine the important news impacting XRP, all in my latest blog. 𝐆𝐞𝐧𝐞𝐫𝐚𝐥 𝐁𝐥𝐨𝐜𝐤𝐜𝐡𝐚𝐢𝐧 𝐍𝐞𝐰𝐬: It gets worse for Bitcoin's environmental impact; its massive electronic waste is now being assessed. 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: InstaReM aims for a Singapore digital banking license; SendFriend is live with xRapid; MoneyTap gets seven new banks; and Scooter Braun acquires Big Machine Label Group. 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: Stedas finishes the 2019 XRP Community Poster; XRPL Labs launches TestNet validator; RabbitKickClub publishes a new UNL parsing tool; Forbes releases a short biographical piece about Thomas Silkjaer; Coinfirm signs Ripple as a client; and Falcon Private Bank offers crypto custody, including 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 Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
  11. https://todaysgazette.com/kava-labs-is-developing-ripples-xrp-collaterised-stablecoin/
  12. Blog URL: https://coil.com/p/Hodor/XRP-News-Update-Expansion-Headlines/vKzbht2pU Ripple and Coil are expanding - 𝘧𝘢𝘴𝘵! I cover what this means for the IoV in today's XRP News Update. 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: Alex Holmes, the CEO of MoneyGram, gives a short interview via Cheddar; and David Schwartz is interviewed onstage at the 'Future of Fintech' conference in NYC. 𝐂𝐨𝐢𝐥 𝐍𝐞𝐰𝐬: Coil invests $20 million in Imgur, the popular meme-and-image-sharing website. 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: Wietse Wind presents at the 2019 Crypto Valley Conference; Leonidas Hadjiloizou publishes the Q2 2019 XRP Report, detailing all of the major news stories for Q2; The Bitrue Exchange suffers its first 'hacking' attack; and Exchainpay adds XRP pairings. 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 Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
  13. Blog URL: https://coil.com/p/Hodor/XRP-News-Update-June-25th-2019/C2b8POzio The IoV is unstoppable! I cover the most important XRP-related announcements and news in my latest blog. 𝐆𝐞𝐧𝐞𝐫𝐚𝐥 𝐁𝐥𝐨𝐜𝐤𝐜𝐡𝐚𝐢𝐧 𝐍𝐞𝐰𝐬: The SEC's DLT Finhub session took place on May 31st & I provide my take on the panel discussion. 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: Scotiabank and Leapfrog Technology announced they are Ripple customers; Banesco Panama provides more details on its latest work with Ripple; and Dilip Rao, Ripple's Global Head of Infrastructure Innovation, will present at the Central Bank Payments Conference in Berlin, Germany. 𝐂𝐨𝐢𝐥 𝐍𝐞𝐰𝐬: I host the first 'Hodor's Mysteries' exclusively for Coil subscribers & share two fascinating Coil creators that you won't want to miss. 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: Ripple publishes a new, enhanced version of the 'WebSocket Tool,' a popular tool for submitting transactions, now available on the Test Net and your local validator; and XRP_Productions, a popular new video producer, releases 'Farewell, Bitcoin,' a unique seven-minute video worth sharing with friends & family. 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 Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
  14. Blog URL: https://coil.com/p/Hodor/David-Schwartz-and-Facebook-Coin-/UiNoDHA-J Curious about Facebook's new coin, Libra? I've collected David Schwartz's recent comments on it in my latest @coil blog! 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/xrp Reddit r/RippleTalk Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
  15. Well!! Ripple is performing really well in the crypto, several crypto experts predict that the ripple price prediction the price will rise high in the future. I want to invest in ripple because of its prediction. Can anyone suggest me, how high its price go?
  16. Alright guys, its been a hell of a week for Ripple and crypto in general. We are witnessing the beginning of a banking revolution- its only going to get crazier as we head into 2020. PART 1: Let me start this post by telling you a conversation I had with my mother, an executive loan officer and branch manager of a regional bank in the south: After the usual mother/son conversation, I asked her how her job was going since she just came back from family leave. APPARENTLY.... "The top executives are freaking out. The projections for loan income are completely off due to the FED announcement." If you're not in the US, basically the central bank wants to lower interest rates next month. The effect? Here is an excerpt from a Yahoo Finance article: https://finance.yahoo.com/news/fed-interest-rate-cut-horizon-121512567.html So, US banks will be struggling to make the quota for this fiscal half because the banks projected the rate to actually increase rather than decline. This meant that many banks gave adjustable rate loans to borrowers in hopes that the prime rate would increase over time. PART 2: Responses from other banks have ranged from nonchalant to panic As you can imagine, banks want to keep a lid on their panic state. Most have released statements that say they were prepared for the rate decline. Some are in denial and think the FED will call back on its majority vote to cut the rate https://www.cnbc.com/2019/06/20/one-major-bank-is-holding-the-line-saying-the-fed-wont-cut-rates-this-year.html Once Goldman Sachs executive went all the way to say smaller banks are screwed https://www.bloomberg.com/news/articles/2019-06-20/goldman-sachs-executive-says-legacy-retail-banks-are-screwed Based of the conversation with my mother, I would agree that the banks are concerned and stand to lose a lot of money. PART 3: ENTER CRYPTO- Libra is announced, and the Moneygram Move Okay so, unless you live under a rock, the news this week has been amazing. Facebook announces Libra under much criticism. The announcement had a few effects: Whether you love it or hate it, it has helped bring crypto into the spotlight this week. All press is good press for crypto, that much is true. Regulators have sprung into action. Already making statements about the regulation of Libra and crypto in general. (See quotes below) https://www.apnews.com/ee872c2a79494a1183866bd1dc9c9083 https://www.cnbc.com/2019/06/20/facebook-libra-cryptocurrency-faced-with-central-bank-warnings.html https://cryptonews.com/news/fatf-decides-to-tighten-crypto-regulation-report-4092.htm There are plenty of other quotes, but i think this suffices. A final effect is that banks will be looking for an alternative or an edge against their competitors. Ripple and Xrapid already exist and has gone through extensive trials over the past 5 years. Brad Garlinghouse has already made the statement that Ripple has has a "record week" due to the Libra Announcement: BOOM- Thank you, Facebook. Ripple is also in the spotlight for the Moneygram Deal. MoneyGram's Stock rose over 150% and huge announcements for new corridors were made as moneygram is expanding their footprint in India. Ripple is making other moves as SBI Remit and SCB Thailand are featured in their Paying Forward promo videos (check twitter, i'm too lazy at this point to embed them lol) Conclusion TLDR: Banks are hurting from the potential FED rate drop and crypto appears this week to banks as a way to cut costs. The financial transformation is on the horizon and is approaching fast! If your read all that, congratulations. You're amazing!
  17. Arkadaşlar XRP yatırımı yapmak için tam zamanı ve lütfen bitcoin trenini kaçıranlar , bu treni kaçırmasın , cünkü bu XRP sistemi , harika bir sistem , yatırım yaptıgım için söylemiyorum , kullanmaya başladım ve vazgeçemez oldum , saniyeler içerisinde işlemler bitiyor , amerikadan - turkiye para gönderim hızı 2 sn nasil olabilir ? işte XRP , Bitcoini geçicek unutmayın. Türkiyede , Nasil Ripple alirim ? Arkadaşlar Gatehub.net üye olun , ripple cüzdan adresinizi not edin örnek : "rKRJXyp435p1RTWAMfpqnv6uvyPDFvQm5g" cüzdanınız oldu ve şimdi türk lite coin piyasasından Ne kadar yatırım yapmak istiyorsanız 20.000 TL , Lite coin aliyoruz , Koinimden alabilirsiniz . Şimdi Koinim veya herhangi bir borsadan Litecoin aldık elimizde atiyorum 200 LTC var , bunu changelly.com ' a girerek üye oluyorsunuz , LTC TO XRP seçiyorsunuz , cüzdanınızı yazıyorsunuz , sonuc 2 saniyede Ripple'larınız resmi cüzdaniniz GATEHUB ' da. Not : Gatehubda depolamaya güvenmeyen arkadaşlar LEDGER NANO S alarak , orada depolayabilir. Hepinize bol kazançlar.
  18. Blog URL: https://xrpcommunity.blog/xrp-news-update-moneygram/ Ripple makes a dramatic market move, partnering to upgrade MoneyGram's international payments! Read more in my latest blog: 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: Ripple announces their new partnership with MoneyGram; CIMB produces a new commercial that emphasizes it 'runs on Ripple;' and Ripple releases a video for the International Day of Family Remittances; 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: Ripple sponsors a new site for collaborative XRPL documentation; Standing Ovation decides to support XRP payments; Paralect assists goLance with accepting XRP as a form of payment; Secalot and Ledger hardware wallet logins can be used at Bithomp; and two exchanges - Bgogo & OceanEx - now support multiple XRP pairings. 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 Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
  19. Blog URL: https://xrpcommunity.blog/xrp-news-update-regulation-on-page-one/ Part of crypto going 'mainstream' is regulatory compliance! I cover this and the latest news impacting XRP in my latest blog: 𝐆𝐞𝐧𝐞𝐫𝐚𝐥 𝐁𝐥𝐨𝐜𝐤𝐜𝐡𝐚𝐢𝐧 𝐍𝐞𝐰𝐬: The 'Financial Action Task Force' issues guidance for exchanges. 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: Ripple is expanding into Brazil; Crypto Eri analyzes potential new xRapid corridors; Corporate Counsel interviews Ripple's Stuart Alderoty; and The Investment Association of China (IAC) appoints Yoshitaka Kitao as an advisor; 𝐊𝐚𝐯𝐚 𝐍𝐞𝐰𝐬: Kava announces they've upgraded Switch to support trading of Ethereum ERC-20 tokens. 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: Andre Ventura creates a new XRP fan video; Updates have been published about the Gatehub-related XRP theft; XRP Arcade is updated with information on meetups and a new tool for monetizing surveys; Crypto.com adds an option for earning interest on deposits; and Beaxy debuts with an XRP pairing; 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 Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
  20. The search for real value in blockchain technology is afoot! We've all been there; searching through any evidence for a good investment, trying to separate online hype from reality. In this blog, I describe some of the recent progress Ripple has made with their banking clients & cover some recently-released videos, including on in which David Schwartz sits down for a joint interview. On the community front, there are a couple high-profile events to discuss as well, with the main one being the new symbol for XRP! Hope you enjoy the read & please leave any feedback below. Also, feel free to share my blog with a friend or on any other platform - and thank you for doing so! 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
  21. Attention!! On facebook starting to appear new pages that insinuate to be Ripple and they "give free" XRP if you send some xrp to this address: rP8dSjwsmpCfmWqkzjSzC81o6XeURaJH52 . They ask you to send them some xrp just to see if your address is working so you can receive the free coins from them This is the facebook page insinuating that is Ripple: https://www.facebook.com/Ripplе-434553970659642/ and they will send you to this webpage https://telegra.ph/We-are-giving-away-2-000-000-Ripple-06-10 Also this guy has created this fb pages and commented on hes post that they did received a lot of free xrp: https://www.facebook.com/Leon-Beckett-572786399842052/ https://www.facebook.com/Keeran-Stephenson-778327829171583/ https://www.facebook.com/Daniel-L-Junior-709039446140090/ https://www.facebook.com/Justin-Moksnes-327892417995297/ https://www.facebook.com/Glenford-David-375029809902013/ The scam can be found in a comment on Ripple new picture update: https://www.facebook.com/ripplepay/photos/a.433595023420855/2256812361099103/?type=3&theater
  22. Blog URL: https://xrpcommunity.blog/xrp-news-update-june-9th-2019/ The future is becoming more well-defined for xRapid and ILP micropayments! Learn more in my latest XRP News blog: 𝐆𝐞𝐧𝐞𝐫𝐚𝐥 𝐁𝐥𝐨𝐜𝐤𝐜𝐡𝐚𝐢𝐧 𝐍𝐞𝐰𝐬: The SEC's FinTech Forum was held on May 31st. 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: Ripple founds a new subsidiary in Switzerland; SendFriend is going live with XRP payments this month; David Schwartz presents at the WeAreDevelopers conference in Berlin; and Ripple releases episode 13 of the Ripple Drop, covering 'RippleNet and On-demand Liquidity.' 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: Suisse Gold, an online bullion dealer based in the UK, plans to support XRP purchases; and Vontobel, an investment banking company based in Zurich, Switzerland, announces a new XRP-based certificate for their customers. 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 Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
  23. I took a few nights to go ahead and build a site with most of Ripple's functionality. It's essentially a 1-page cold-wallet version of RippleTrade. Everything is client-side and nothing stored or processed by any servers other than the Ripple network. https://www.theworldexchange.net/ Hopefully this spurs more interest in people using Ripple as more than just a currency.
  24. Although arguments can be made against the notion of future adoption of the XRPL by the financial system thru supporting the retention of the current international payment system or emphasizing the technological progress in the SWIFT payment network, they fail to address critical flaws in today’s system. Hackers, political pressure, regulators, and the shrinking correspondent banking system are all legitimate issues that are impacting banking operations. Most international payments are facilitated through the SWIFT network today. SWIFT is a messaging network used to send and receive information on financial transactions between financial institutions. Currently, more than 11,000 financial institutions from around the world are linked to the SWIFT network for operations. Typically, the originating bank is required to have a working relationship with the destination bank in international wire transfers. If there is none, the originating bank can search the SWIFT network for a correspondent bank that has one with both banks.(2) Once found, the transaction is transferred through Nostro accounts held at the intermediary bank for a fee to the destination bank. Although SWIFT’s inception has proven to be beneficial in enabling international payments between banks globally, it’s reliance or the monopolistic position has become a double-edged sword. Due to their international relationships, SWIFT was viewed as an apolitical organization that was independent of any country’s domestic foreign policy. Unfortunately, this has not been proven the case the past few years as political disputes now threaten to fragment the international payments space. Regardless of your political views towards Iran, the United States pressure on SWIFT to disconnect Iranian financial institutions from the network has been unprecedented. While the action undergone by SWIFT contradicts the European Union’s desires. Although the EU intends to maintain trade with Iranian institutions, SWIFT complied with the US requests.(3) With the consequence being that now the international payment network has become weaponized to exert political pressure onto countries or regions. This undermines the trust within the network as participants can ultimately be on the wrong side of political discourse. Along with Iranian FIs, there has been heavy speculation from US media sources and diplomats that Russian financial institutions might face similar sanctions to their Iranian counterparts in the future.(4) Further eroding any participant confidence in SWIFT remaining apolitical. SWIFT’s inability to remain impartial to the network’s participants is already beginning to have repercussions. In Europe, there has been a political push back on the US influence over the payment network. Germany's foreign minister, Heiko Maas, has publicly stated that the EU should "strengthen European autonomy by creating payment channels that are independent of the United States — a European Monetary Fund and an independent SWIFT system".(5) Even more striking were Maas’ comments that the EU had already begun the process of developing an alternative payment system. Both Iran and Russia have also taken similar responses to the EU. Iran has begun implementing an alternative banking platform for banking transactions with foreign institutions.(6) Meanwhile, Russian financial institutions have prepared themselves to be disconnected from the SWIFT network at a moments notice and have begun to adopt another alternative payment system CIPS. CIPS or the Chinese Alternative Global Payments System is also an alternative payment platform provided by China. CIPS was intended to make transactions between China and Russia easier while enticing other countries to utilize the system.(7) Russia has also begun to develop its own payment system called the “System for Transfer of Financial Messages” (SPFS). Essentially, the global political environment has pushed regions or countries to develop or adopt alternative solutions to SWIFT. Creating an ever growing, fragmented international payment network that will require interoperability between systems. SWIFT’s security has also been exploited these past several years, further testing the participant's trust of the network. Along with the frequency of these hacks occurring, the severity of them is increasing. Of the top five biggest SWIFT hacks by money lost, four of them have occurred within the past two years.(8) The sophistication of these attacks is becoming so advanced for SWIFT’s liking that they have begun to issue warnings and urge participants to increase their security measures.(9) In some attacks, hackers have been able to order payments to banks in other countries by copying preformatted payment requests into the SWIFT messaging software. Even further eroding trust in the network’s security, it was discovered that the NSA had breached SWIFT’s security and have developed tools for its operations. Thru leaked documents and files by a hacker group, the public was made aware of how the NSA had accessed the messaging system. Possibly setting in an uncomfortable feeling for financial institutions located in Eastern countries that the SWIFT network is a possible vector for attacks. Structurally, the correspondent banking system has been on a gradual decline for several years while total volume and value of payments through SWIFT are increasing. The Financial Stability Board conducted a study in which the FSB found that from 2011 to the end of 2017, active correspondent relationships declined by 15.5 percent across all currencies.(1) While for 2017 alone, it declined by 4.1 percent. More recent studies have concluded that 2018 saw declines in active relationships and corridors of about 3.5% and 2% respectively.(11) With the global correspondent banking network now declining by about 20% and the number of active corridors having fallen by roughly 10% the past seven years. This decline in active correspondent relationships has also coincided with the increased concentration within the correspondent banking market. Remaining participants in the network have their market share increase as competing banks exit the system. Both these trends pose respective risks and issues to the banking system. An increase in the volume of payments with the decrease in the number of correspondent relationships is theorized to increase the length of the payment chains. Implying payments will need to be facilitated thru more intermediary parties to reach the same destination. Possibly adding more exchange or transaction fees along with increasing the settlement time. Meanwhile, a concentration in the correspondent banking market introduces an unwelcoming scenario. Theorized consequences include a decrease in the competition of services, leading to higher costs and more fragile networks. As the payment network relies on fewer participants to facilitate payments, the failure of a participant will have greater repercussions as they are more relied on. Ultimately, the global political environment is causing a fragmentation of the global payment system while the financial system is gradually entering a delicate state. Both trends have already begun to force global and financial institutions to adapt and find alternative systems. Regardless of what SWIFT can develop to enhance it’s services to its participants, there will be issues the organization cannot resolve. Interoperability will more than likely be the key in enabling the future global payment space to withstand any geopolitical shocks, along with providing a crucial capability if the financial system is under strain due to the structure of the correspondent banking system. Placing Ripple’s xCurrent or ILP in an advantageous position. 1. https://bankingjournal.aba.com/2018/11/basel-decline-in-global-correspondent-banking-relationships-accelerates/ 2. https://www.investopedia.com/terms/c/correspondent-bank.asp 3. https://www.ft.com/content/8f16f8aa-e104-11e8-8e70-5e22a430c1ad 4. https://www.voanews.com/a/us-diplomat-russia-should-release-ukrainian-sailors-by-christmas-/4688911.html 5. https://www.businessinsider.com/germany-wants-european-rival-to-us-backed-swift-payment-system-2018-8 6. https://en.mehrnews.com/news/139715/Iran-welcomes-foreign-banks-to-join-its-alternative-to-SWIFT 7. https://ethereumworldnews.com/after-ripple-chinas-cips-now-competes-with-swift-departure-from-us-dollar/ 8. https://medium.com/@kvantorcom/top-5-biggest-swift-hacks-52fca78145c 9. https://www.reuters.com/article/us-cyber-heist-warning/swift-warns-banks-on-cyber-heists-as-hack-sophistication-grows-idUSKBN1DT012 10. https://www.reuters.com/article/us-usa-cyber-swift/hacker-documents-show-nsa-tools-for-breaching-global-money-transfer-system-idUSKBN17H0NX 11. https://www.bis.org/cpmi/paysysinfo/corr_bank_data/corr_bank_data_commentary_1905.htm
  25. Blog URL: https://xrpcommunity.blog/xrp-news-update-june-5th-2019/ The last week was full of important news for XRP stakeholders! Find out if you missed something in my latest blog: 𝐑𝐢𝐩𝐩𝐥𝐞 𝐍𝐞𝐰𝐬: Ginger Baker participates at the Europe Money 2020 Conference; and Ripple releases an important statement about their market reporting. 𝐂𝐨𝐢𝐥 𝐍𝐞𝐰𝐬: Stefan Thomas conducts an AMA on Reddit. 𝐗𝐑𝐏 𝐍𝐞𝐰𝐬: The XRP Ledger becomes more decentralized with two new 'default UNL' operators; Ripple publishes an interactive tutorial for monitoring payments; B1X announces their platform will utilize the XRP Ledger; The CEO of XRP United makes a sad announcement about the death of the exchange's founder; Gatehub reveals details of a recent theft of XRP on its exchange and XRP Forensics begins tracking the XRP; CatalX, a Canadian exchange, announces an XRP-CAD pairing; Bitex adds support for XRP; and the 'XRP Merch Store' is now open for business. 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/xrp Reddit r/RippleTalk Reddit r/alternativecoin Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
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