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Through a tweet on his official page, Ripple Labs CEO, Brad Garlinghouse called for diversification into other assets especially cryptocurrencies to help counter the growing extreme inflation rate globally. Garlinghouse was responding to a Bloomberg article titled “JPMorgan says Bitcoin just took its first test and got ‘mostly positive’ results.” "The extreme inflation rate in some countries like Venezuela has prompted most of its citizens to turn to cryptocurrencies like Bitcoin as a medium of exchange. However, due to the environmental ills of Bitcoin and Ethereum mining as well as lower speed, Garlinghouse is pushing for mass adoption of XRP as a means of retail transactions, hence countering the extreme inflation rate." "With the current world turmoil pushing governments in a tight corner, a massive crypto adoption might be on the way post-pandemic." Source: https://zycrypto.com/as-extreme-inflation-looms-ripple-ceo-brad-garlinghouse-says-crypto-could-help-stabilize-markets/

""This new ecosystem is the most sophisticated project ever built on top of XRPL, and it is the best use case for that. We believe this will be a big step forward for the whole industry and the mass adoption of XRP blockchain," "More information will be announced to the public on October 15, 2019." Source: https://m.insidertracking.com/coinfield-launches-xrp-validator-in-preparation-for-the-upcoming-xrpl-project Tnx to Bank XRP (Twitter handle @BankXRP)

“DT 25370527 from Bitstamp to Bitso recently changed its behavior. It used to send big txs randomly. Now it sends 28k-30k XRP txs almost like heart beat.” Source: https://eng.ambcrypto.com/xrp-transaction-in-batches-of-28000-xrp-pop-up-overnight-from-bitstamp-to-bitso/ Is this xRapid ramping up?

https://xrpripplenews.com/2019/09/09/why-brexit-could-be-catalyst-xrp-needs-for-price-to-skyrocket/

A clear signal that XRP is getting ready for mass adoption: The World Bank, through its senior finance specialist Marco Nicolli, praised distributed ledger technology and zoned in on Ripple’s xRapid as the transformational technology for future banking. In a report done collaborated by the Better than Cash Alliance, the World Bank said: "“In 2018, Ripple, piloted xRapid, a DLT-based cross-border payment solution, along the very competitive U.S-Mexico corridor and financial institutions involved in the pilot saved 40-70 percent in foreign exchange costs. The average payment times were just over two minutes while transfer of funds on xRapid took two to three seconds, with most of the processing time explained by domestic payment rails and intermediary digital asset exchanges.” A quote from Brad Garlinghouse: "XRP had a slow start, but once there is regulatory approval, and there is clarification that the asset is not a security but a utility, we shall begin seeing movements in price as banks rush to utilize the network pumping prices as a result." Source: https://ethereumworldnews.com/banks-will-never-disappear-ripple-xrp-in-a-pole-position/

Blog URL: https://xrpcommunity.blog/xrp-by-the-numbers-2/ If you're a 'numbers person,' you are in luck: Today's blog is all about the key statistics of 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 Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread

Sharing my findings as I couldn't find them all at xrpchat. There is some good stuff happening (in my opinion) regarding the progress towards real blockchain adoption in general (which I assume is profitable for XRP usecase adoption too). First let's again view what a survey by WEF World Economic Forum with "over 800 executives and experts from the information and communications technology sector" says: From Ripple insight: Original PDF by WEF Ripple Insight regarding this survey Of course this is an averaged estamation based on the responses and the survey was done in 2015. Stuff already seems progressing quicker than expected (incl for Ripple). It shows the expectations the respondents in the ICT sector have. Blockchain ISO standards developments There are ISO standards being developed for "blockchain and distributed ledger technologies". Such standards are necessary (imo) for real worldwide adoption. Currently the stages of those ISO standards are 'Preparatory' (stage 20.00) at most. Here is an overview of participating and observing countries: https://www.iso.org/committee/6266604.html?view=participation This standard is an initiative by Australia. From the roadmap for blockchain standards of Standards Australia (march 2017): Small overview of roadmap here. So even though the current status is 'Preparatory' at most, the ISO standards ARE being developed at this moment. Boiling fintech in Luxembourg; Infrachain From website: Q1 2018 introduction paper Now lets view Infrachains members page: This shows that big players in the industry like Ant Financial are actively busy progressing to realworld usage / adoption. Also interesting Ant Financial is active in Luxembourg it seems. Talking about Ant Financial, their brand Alipay has some plans. Exciting blockchain/fintech times ahead imo. For speculation; Snapswap, KPMG, Telindus, Deloitte have some connections to Ripple. SnapSwap USA (a Ripple gateway) stopped but the key executive was Denis Kiselev, which is still active at SnapSwap International S.A. in Luxembourg. KPMG slide mentioned Mastercard tested Ripple payments blockchain solution (just noticed the slide author is Unilever, big Dutch company that had 52.7 billion euro turnover in 2016) Telindus has a Ripple validator running Deloitte (37.8 billion usd turnover) senior manager for innovations talking Ripple here and here. Maybe he is in the community somewhere. Also in Japan the selfregulated Japanese Cryptocurrency Exchange Association was created which fits above progress (ISO standards under development / Infrachain trying to accelerate blockchain adoption by community created regulation). Good to see these initiatives which should help accelerate blockchain and/or crypto use by setting standards & guidelines at a moment there is still some regulatory unclarity.

Does anyone else believe part of this stock selloff will be moving into crypto? I mean I liquidated the rest of my stocks in September to buy more XRP.. I personally know a couple wall street guys who actually sold all their crypto when Bitcoin hit 19k. They are starting to buy back in big now but with many smaller orders to prevent a huge spike.. From what I am hearing and seeing it does look like a huge shift is starting. What do you guys think?

I often see references to 'mass adoption' as being indispensable for something else to happen in crypto-land, but it seems to me the term itself lacks clarity and may mean very different things to different people. Conventionally, disruptive change diffuses from innovators, to early adopters, early majority, late majority, and eventually laggards. This would put 'mass adoption' as occurring somewhere during adoption by the late majority. Does this help? No? Perhaps it requires additional fleshing out. The phrase 'mass adoption' should be defined clearly at least in the two operational contexts -- retail and institutional -- which, in the main, concern speculators in crypto. These contexts are dissimilar, and failing to distinguish clearly between the two can trip us up when analyzing and discussing expectations, or when comparing 'coins.' Given the reigning confusion in crypto, we may end up comparing apples to shoes inadvertently. For example, I have thought more than once that the market cap rankings completely fail to distinguish between the purpose or target sector of the various coins / tokens. This is key to understanding the value (or lack of it) of the market cap idea and could make comparisons (and rankings) more sensible. An opportunity is being missed to clear the existing fog in crypto with the lack of an equivalent to stock asset classes or sectors (large cap, small cap, sector-focused, etc.) Traditional finance has mis-grouped all cryptos in a single 'new asset class', while it is clear by now that most of these have disparate objectives and might as well be in different sub-classes altogether -- cryptos being in fact software projects, regardless of people wanting to think of them as shiny 'coins' in their competitive quest for a quick fortune. With Ripple officially focused on the institutional clientele, it could well be that having a half dozen to a dozen adopters using Rapid/XRP this year would suffice to constitute massive progress, although not, technically speaking, mass adoption. Not when you consider the 11,000+ banks worldwide, or even the 100-200 Ripple partners. And yet, it could still be enough to sway price significantly, and propel it to new heights in sustainable fashion. The same could be said about a single endorsement by one of the Top 5 Central Banks. This then raises the question: is 'mass adoption' really a prerequisite to price appreciation? Or, might it be more suitable as a lagging indicator than a leading one? I tend of think of regulation as a leading indicator of where the sector may be headed and of the degree of adoption as a lagging one. But perhaps that's just me. Retail adoption by individuals using XRP to buy goods is an entirely different animal and would probably have to be in the tens or hundreds of millions to qualify on the basis of chosen populations. Something related to sports betting, perhaps, as the recently announced football crypto-initiative being launched in the UK, with worldwide scope and appeal, might just be that catalyst. I think this announcement was not appreciated properly by many here as to its potential impact (ex. fast payout of bets on a worldwide scale using Ripple.) Whichever of the two -- institutional or retail -- seems more impressive at first glance on the basis of numbers, operational definitions do matter and can help us in focusing on reasonable goals as speculators and in comparing apples to apples. Food for thought? Again, just one man's opinion.

Hey guys, I am just trying to get my head around something. Is this at all correct? I have heard that SWIFT sends $5 Trillion worth of money transfers PER DAY and that the banks and financial institutions actually have about $27 Trillion locked away in accounts in order to facilitate these money transactions; to be able to have the money there in order to send it. I hold my hands up that these are just things I have heard and I am not sure about the figures - a lot of you guys out there are more knowledgeable than me and can either confirm these amounts or not. In order to get my head around this I am going to assume for a moment that XRP is a success with banks and gets mass adopted by them to settle payments worldwide. Just play along for a moment and assume this. If there are $27 Trillion sitting in accounts to facilitate payments, and they suddenly start using XRP then I am guessing the whole value of XRP that they will need to hold is going to have to be at least 27 Trillion? if there are only 100Billion XRP units well a figure of $3 per XRP is not going to be enough is it? So banks are going to have to purchase and HOLD massive amounts of XRP in order to have them available to use to make money transfers, and therefore the circulating supply basically will be shrunk right down for investors like you and me. In turn this in itself will mean a price increase due to low supply and possibly more demand (good thing for banks as the value of XRP they hold will go up and they will hold the $27Trillion total that they require, and also if they buy them sooner rather than later it will cost than the $27Trillion that they are locking away right now, making it possible to use some of this money - I am just thinking out loud, I may be wrong). So in effect 27 Trillion/100 Billion = $270. XRP standing at a value of $270 per XRP is what it would take to cover the value of the USD$ currently being held by banks in accounts to facilitate these cross border payments or money transfers. And this is IF the banks hold ALL the XRP that will ever exist. So am I correct in assuming then that if XRP is adopted fully by banks that the price of XRP could in theory climb to at least $270 per XRP.? This is without any use by other big worldwide-known companies which may start accepting XRP as payment etc. Obviously this may bring up the question of "well if banks use/hold all or most of the XRP how will there be enough left for other businesses to make use of and accept as payments?". The only answer from the top of my head is that the per XRP price actually far exceeds $270 and banks will not need to have so much of it to cover the $270 Trillion needed. For example if we double the $270 to $540 then the banks would only need half of the total supply of XRP for their own purpose and the remaining 50 Billion XRP units could be free to be used in other ways, e.g investor purchases and acceptance by big companies as payments. As I said I may be wrong here and I am not at all giving investment advice, but if I am wrong I would love to hear why exactly. Thanks.

Hello all, Suppose XRP is amongst them, and for retail paiments we know what is best if you want to be able to pay in seconds, not minutes or longer..... Here is the article: https://www.ccn.com/south-koreas-largest-e-commerce-platform-integrating-12-cryptocurrencies-including-bitcoin/

Every once in a while, it's good for crypto investors to take stock of their investments and where they're at in terms of liquidity and adoption. Today is that day, and I'm taking a look at the same numbers that we discussed just three months ago. Headlines: Liquidity is massive. The number of wallets doubled. To find out more, you'll have to read for yourself! Hope you enjoy the read & please let me know what you think; feel free to share my blog with others or on any other media or platform, and thank you for doing so! Blog announcements on other media: Twitter Reddit r/Ripple Reddit r/CryptoCurrency Reddit r/CryptoMarkets Reddit r/xrp Reddit r/RippleTalk Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread

No doubt you have seen something similar posted on the internet. Questions for the start of 2018 (for us to look back on in six months, one year, 2 years, etc.): 1. What category of the curve do you think Cryptocurrency market is in today? 2. Same question as #1, but for XRP? 3. What will be the indicator or indicators in your option that moves us to the next category of adoption?

https://financefeeds.com/gmo-coin-add-ripple-offering/ and the orginal message https://news.coin.z.com/2017/11/417/

In this post, I want to discuss technology 'diffusion' in general terms and share some reflections about current and potential partnerships, speed of platform adoption, and incentives. The path to technology adoption Ripple is a technology and innovation company. New technology typically follows a 'diffusion' path to market penetration. Below is the well-known Rogers technology adoption curve, with the timeline going left to right. Later modifications to this graph show a gap between early adopters and early majority, called a 'chasm', that takes significant work to bridge. And this is a table describing typical characteristics of organizations falling in one of the 5 groups under the Rogers curve. With that out of the way, and credit where it's due (these were borrowed for illustration purposes from hundreds of similar Google images and are not mine), I come to my own comments and questions. What's in a partnership? The Ripple Cheat Sheet (thank you, @tomb) shows the by-now 100+ partnerships with banks and FIs, mostly large ones. Now, in trying to classify any of them under one or two of the categories above, I would tend to put banks under the two rightmost ones, that is, slow adopters and laggards, burdened, additionally, by much regulation. No surprises there, I believe. As to these 100+ partners, I ask myself: are they truly innovators (according to the characteristics above), or are they just being thought of as such because they signed up, yet, despite it, are still traditionally slow and even reluctant adopters? Is there a contradiction there, or not? Can you partner with someone while not really committing to doing much for quite a while? I seem to recall recent news to the effect that, among those presumably on board, hardly anyone is using XRP and that there are no plans to start using it -- yes, there's Cuallix. Speaking of Cuallix, was it a one-off event or are they now in full-blown XRP usage mode? And, if Cuallix is a KYC/AML-compliant player, how hard can it be for others to become so? As to XRP, I also hear that '....and there's no need to use it,' but that it would be cost-effective to do so and that this should become self evident in time. I always think of time as the one commodity that we never have enough of, and where complacency equates to likely extinction at the hands of others with a greater sense of urgency or just better aim. Think you are always behind the eight ball, act accordingly, and you may not end like a turkey at Thanksgiving, or the dinosaurs, who should have been looking up, not down. Quiet confidence and far horizons are great things, but wear a helmet and carry a big stick just in case. I have been through various corporate enterprise transformations. It's always some sort of 'journey.' These days, whenever I hear of a long journey with approximate dates (3-5 years) to reach level Z, I want to know what this means in terms of level W six months from now, level X a year from now, and level Y two years from now. Journeys without specific milestones, fleshed-out steps, and clear deliverables are more wishful thinking than plans to execute to. In this sense, I admit to my unabashed preference for 10 very active partners today, as opposed to a growing list of 100 or even 200 partners in name, who may be essentially observers. What do these partnerships commit Ripple's counterparts to doing, if anything, and in what time frame? What is their value? And what is needed to go from stage-one passive partners to stage-two active users of the platform and product (XRP)? What about potential partners that may fall under the leftmost two categories under the curve? Do any of the current ones qualify there, or is Ripple actually targeting the sector that is always the last one to come on board? Are these current partners forward-thinking firms, chomping at the bit to get things done, or are they idly curious hedgers no different from their not-yet-partnered competitors? Is this an attempt by Ripple to completely reverse the technology adoption curve (because of who is being targeted first)? If not, what is being done to 'seed' interest among those who may already be found in other sectors more to left under the curve? Of incentives and potential partners I wonder about the recently announced financial incentive/accelerator program meant to encourage partners to start using different bits of Ripple's platform and technology, and to the actual size and agility of potential partners, as follows: 1. Incentives: Are the incentives needed because of the very conservative attitudes of many/most/all of the 100+ partners? Are the incentives a roundabout way for Ripple to try to move laggards to the left under the Rogers curve and make them more 'innovator-like'? Is this a sensible thing to do or hope for? Who are these incentives targeting, specifically? How likely is a financial incentive to actually get someone who refuses to cross a go/no-go gate to actually do it? Does money work at all in this instance? Has the 'mental (or other) hurdle' been correctly identified, and is a financial incentive the right approach? Better to have a war chest than not, but it does not eliminate the need to clearly understand what may be behind the resistance. If one insists on defining early partners as those being innovative and eager to embrace change, why are incentives needed at all? What is it about the overall concept that is not persuasive enough that a subsidy is needed to get their attention? I am wary about incentives and how they are used, and the corresponding expectations. If banks are waiting for the final word on regulations to take a step, and if this is unlikely to happen for a number of years, why would incentives work now? Throwing money at a problem can help, do nothing, or even backfire, depending on the circumstances. 2. Size/nimbleness of potential partners: Are there any payment providers under the leftmost two categories that, perhaps due to their small size, are not being explicitly targeted by Ripple as potential partners in the cross-border payment space? Is going after mega players and mega players alone a comprehensive enough approach, or would it be valuable to target smaller payment providers as well? Do they even exist, and are there any among the current partners? If not, why not (is it due to the need to focus limited marketing resources on firms perceived as more relevant because of sheer size), and would it be worthwhile to try to bring some of these into the fold, so to speak? What about those who might have a strong use case for Ripple and XRP, just not in cross-border payments? Conversations are going on in fintech about viewing payments as one thing, with borders eventually becoming part of the old way of thinking and framing problems. Does this very narrow current focus pose a threat long term? Small businesses: definition and impact US Census Bureau data, as reported by the SBA (Small Business Administration), show that in 2014: -- there were 5.83 million employers/businesses in the US. -- 5.81 million businesses (99.7%) had fewer than five hundred (500) employees, and were therefore classified as 'small businesses.' -- 5.21 million small businesses (89.4%) had fewer than twenty (20) employees. -- small businesses were responsible for 46% of private-sector output. -- small businesses made up 98% of businesses exporting goods. -- small businesses made up 33% of businesses exporting value. Ripple itself is a small business. Are there potential partners in that peer-space? The focus on Asia and huge FIs makes me wonder if potential US-based partners of smaller size are being overlooked and if that may be a marketing strategy worth pursuing. Conclusion Many people might have waited until there was definite proof that Earth was not flat before venturing from Europe towards the West Indies and risking a terminal fall off the edge. Such proof would never be available until someone had gone and run the risk of never coming back. These wait-and-see laggards, those that dread making mistakes and shy away from innovation and breaking new ground until their true genetic makeup as terminally risk averse is eventually confirmed via an anticlimactic and butt-dragging 'me too', are alive and well today. In executive circles, especially in the US, where originality is frowned upon, not losing your bonus and your job is a top priority, leading to groupthink and usually losing the race to those smaller players more willing to take the plunge. Columbus just up and went, and got the deed done on the strength of sheer commitment while literally navigating a sea of uncertainty and adversity. Are we looking with false expectations to significant outcomes from some of these partnerships, and are there any latter-day, overlooked Columbuses out there that, even with KYC and AML and the rest of the constraints, can more quickly move to Ripple's platform/ILP, and full-blown XRP adoption and usage while needing no additional incentives to do so? I refer here to a broader spectrum of true innovators, nimbler than the financial Goliaths and perhaps focused on areas complementary to cross-border payments or even beyond. These are some of the questions I ask myself today.

Some readers prefer hard facts and numbers to detailed interpretations. In this blog entry, I provide you with some of those hard facts and numbers for XRP, all collected in one place. I give a short intro into each section; Most of the statistics I started gathering a couple days ago, but I used the latest wallet stats because I wanted to quote the "over 500K" number! Hope you enjoy - please feel free to leave any feedback below & of course feel free to share in any other media! My blog announcements on other media: Twitter Reddit Bitcointalk - alt coin sub forum (still TBD - technical difficulties for now) Bitcointalk - XRP speculation thread (still TBD - technical difficulties for now)

Despite all the hype, is blockchain tech really being adopted and used by businesses? I talk about adoption challenges and how Ripple continues to lead the pack in my latest blog. Ripple is one of the only fintechs that actually has a blockchain in production being used by banks; it's way ahead of the curve on this one! Let me know your feedback below, and as always, feel free to share my blog with others! My announcements on other media: Twitter Reddit Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread

In my latest blog entry, its back to basics. The intended audience are those that are completely new to XRP, so please review and share with a friend! This post will probably bore you, but please keep in mind that the intended audience(s) are those that are completely new to XRP and Ripple. Please review and let me know your feedback, positive or negative! Also, as always, please fee free to share or copy! My blog announcement(s) on other media: Reddit Twitter Bitcointalk - alt coin section Bitcointalk - XRP Speculation sub-forum

Hodors Latest Blog Entry This is my latest blog entry. Just in case you didn't already know - South Korea, a small country of ~ 51 million, has been single-handily driving crypto prices for the last two months (Bitcoin, Ethereum & XRP). Take a read and let me know if you agree / disagree with my conclusions and please feel free to share as much as you want on any other medium! Reddit Twitter

For a long time now, XRP fans have been struggling with the fact that XRP is not the top of the list. Despite being clearly better in every measurable metric for a crypto-currency, XRP is ranked either second or third on the list in terms of market capitalization. We've dealt with this underdog status with a combination of humor and frustration. And for more than a short time, Ripple had to precisely execute their business plan like a model Silicon valley start-up, not one of those fly-by-night ICOs that we hear so much about now-a-days. One of my favorite quotes from Miguel Vias is that Ripple "doesn't have any gold toilets." He was talking about these same ICOs that are pulling in so much money from inept investors. (source: __https://www.youtube.com/watch?v=aiNDDWZs0b4__) No, Ripple was different, and much more self-disciplined - almost Spartan? They operated lean, carefully choosing where and when to place their resources and their efforts, not afraid to change course when it meant getting results in a specific area. This is the mark of a well-led company, that can navigate through completely uncharted waters in a landscape filled with danger. They were short on cash... always? I'm just guessing, but 2013 and 2014 must not have been easy for Chris Larsen and company. They endured, however... they persisted... and now here we are! 2017: The Underdog Takes the Stage Ripple has continued to impress the market and even their staunchest critics over at bitcoinland with their continued critical wins in every category that matters. The Inter-ledger protocol (ILP), The Ripple Consensus Ledger (RCL), and the digital asset / cryptocurrency (XRP) have proven to be a very formidable combination that no other grouping of technology can beat. (source: https://ripple.com/xrp/) Ripple has made it possible for businesses, financial institutions, banks, central banks, and governmental authorities to participate in the distributed ledger technology revolution, and most importantly, has made it easy for them to do so. The Wonderful Flip Side of Supply Much has been made of the XRP lockup. (source: http://www.coindesk.com/ripple-pledges-lock-14-billion-xrp-cryptocurrency/ ) It will shut off the supply of XRP to minimum levels for years to come, giving the markets a mathematical certainty abut supply. Not only that, but it will use and demonstrate the Escrow functionality within the RCL; escrow is a huge selling point for financial institutions. The XRPChat community debates about the supply of xrp, but we seldom give though to the flip side: just how much cash has Ripple received in 2017 for its off-the-books sale of xrp to financial institutions and market makers? Some of us believe they've sold at a discount. Others of us believe that it must have been sold at a premium. Regardless, the inevitable conclusion is that Ripple (the company) now has enough cash to go in almost any direction they want. This is an epic sea-change. No longer do they have to play underdog to crypto-currencies whose only goal is to make a few founding members wealthy. It's become readily apparent to the larger financial community that Ripple is about payments, and about transforming global payments into a system of three-second transfers, even between fiat currencies and crypto-currencies. It is flexible, fast, and transformative in nature, and it's being adopted worldwide at an alarming pace. Ripple and its technology stack is now an unstoppable force; what will the new headlines say today?

It's like an itch in the back of their minds, a growing anxiety that no amount of alcohol can eliminate. The new consensus among whale crypto traders is that XRP is taking over. So how do they react? They're raking in quick profits from the ICOs *if they're lucky*, and perhaps putting their money into ETH and BTC to take advantage of the temporary run-ups. But they know better. The logical part of their mind is screaming at them to wake up and smell the coffee, and investigate just how much adoption Ripple is making with the banks. Sometimes they pop into our forum and ask that very question, hoping that somebody, anybody, can provide them inside information about when to make their big switch from their risky portfolio back to the safe bet... to the one that they know will inevitably take over crypto. Adoption of XRP It's happening now - here are the raw numbers: 15 of the top 50 banks worldwide are working with Ripple 9 different countries with banks are implementing Ripple... in production 87% of all FX pairs are now potentially covered by XRP (source: https://www.ripple.com/) In addition to the above current statistics, Ryan Zagone was just recently quoted as saying that 16 more countries will be using the RCL. (source: _https://youtu.be/PzScsRNsoT0 at 39:15) We know unequivocally that Ripple Desires a High XRP Price. They try to understate it, but a high XRP price benefits the company in a myriad of ways, including low cost of FX transfers, and the increased value of their treasury's main digital asset. (sources: _https://www.xrpchat.com/topic/5565-joelkatz-a-question-if-you-have-time/#comment-52750 and _https://www.xrpchat.com/topic/5280-valuation-models-xrp-the-digital-currency-vs-ripple-the-company/?do=findComment&comment=50484) Lessons of History Old, legacy technology such as Bitcoin doesn't have much of a bright future if history is any guide. And we know from many social scientists that history should be our guide; it's lessons repeat if they are not recognized, and bitcoin is on its way to becoming an academic case study in that concept. For now, look to Kodak, AOL, or the Yahoo search engine. These companies once had enormous market share and valuation, but mainly due to superior technological rivals and options, they no longer exist - at least in their previous form. They might have redefined themselves and found a niche market, but their heydays are long gone. Now it is digital cameras mounted directly on smart phones, direct ISP providers, or Google. So How Fast Will XRP Take Over? What makes Ripple's case so unique is that the difference in options is so stark. Never has history offered an opportunity so well-defined for potential investors. We are still early in the adoption life cycle. Because of our early position in the innovation life cycle, the chance to own significant chunks of Ripple's digital asset at very low prices are lying here for us to take... even before the advent of the most popular XRP wallets hit the "streets" soon. BitGo Wallet (source: _https://twitter.com/lopp/status/864560414293721089?ref_src=twsrc%5Etfw&ref_url=https%3A%2F%2Fwww.xrpchat.com%2Findex.php%3Fapp%3Dcore%26module%3Dsystem%26controller%3Dembed%26url%3Dhttps%3A%2F%2Ftwitter.com%2Flopp%2Fstatus%2F864560414293721089) JoelKatz Wallet? (source: https://www.xrpchat.com/topic/5067-david-schwartz-joelkatz-working-with-third-party-on-high-quality-wallet-and-other-xrp-related-projects/ ) Coinket Distributed Trading Wallet (source: http://www.livebitcoinnews.com/new-peer-peer-xrp-marketplace-will-launch-two-weeks/ ) We're still "early" in the market, but beware how fast the markets can shift.. you've seen XRP price rise more than 40% in one day ... less than one week ago. When the industry turns it's attention to XRP, there will be no turning back, and the opportunities to buy XRP at current prices will be part of... history! DISCLAIMERS THIS IS NOT INVESTING ADVICE PLEASE DO YOUR OWN RESEARCH BEFORE INVESTING I DO NOT HAVE ANY INSIDE INFORMATION PLEASE DO NOT TRADE CRYPTO WITH LEVERAGE

Updated Numbers by Ripple Ryan Zagone's Comments: This comment was first noted by @Dsimmo on another post: It's happening folks. It's happening now...

It takes time to get the message out. Ripple has had a superior product and revolutionary idea for some time now, and it's taken hard work, patience, and laser focus for them to get to this point. Each of the key components is now in place, and with the advent of XRP's rising popularity, the remaining puzzle piece of liquidity is now falling into place. We stand on the precipice of a new world now, one in which we all have a chance to participate by purchasing and owning part of the dream... at prices that are considered an early part of the new technology adoption life cycle. (source: https://en.wikipedia.org/wiki/Diffusion_of_innovations and https://teddykw2.files.wordpress.com/2012/07/everett-m-rogers-diffusion-of-innovations.pdf) What is Diffusion of Innovation? Diffusion of Innovation is a sociological and pyschological theory of how new ideas are eventually adopted by a group, given certain conditions. Even if an idea is revolutionary, it still takes considerable time and effort to overcome the resistance to change. This process is best visualized by an "adoption curve": (Source: Hodor) XRP's adoption curve is now at beginning stage of the "Early Adopters" point, where we're starting to see the majority of acceptance by the greater crypto space, but we still have some significant room to go in this category! Bitcoin is at the beginning of the "Early Majority" category! This is exciting for us, as it charts a course to what we can expect to see for XRP. Here's the definitions for anybody that's interested in delving deeper: Innovators Early adopters Early Majority (source: http://www.ou.edu/deptcomm/dodjcc/groups/99A2/theories.htm ) Next Adoption Stage: The XRP Adoption Strategy Recently, JoelKatz posted about the overall strategy for XRP, and I think it ran the risk of being "buried" in another post, so I've copied the numbered points from his post and placed them below for readers that missed it (or almost missed it, like me!). I'm giving the content the title of "XRP Adoption Strategy", as I believe that's what it reflects. It reveals the details behind the company's thinking for those so inclined to be curious. (source: JoelKatz's post from: _https://www.xrpchat.com/topic/5280-valuation-models-xrp-the-digital-currency-vs-ripple-the-company/#comment-50182_) Just remember where we're heading The best network. (RCL) The best digital asset (XRP) The best protocol (ILP) The best company (Ripple)

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