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  1. cryptocentric

    XRP VS ALIPay Whats going ON

    Hello my fellow XRP community. Long time support of XRP. I have been a hodler sice it was 2 tenths of a cent. I want to know the inside scoop with this whole alipay thing. I know moneygram was possible using ripple xrp before, but does this new supposed crypto or DLT that ALIPay is using in the remittence business. How will this affect XRP's bottom line whats going on? Any info would be helpful.
  2. ***this is speculation*** In the wake of AliPay's announcement of launching a cross-border remittance service powered by blockchain technology, a closer inspection of the partnerships reveals several layers of Ripple associates. The cross-border remittance services into the Philippines will be offered by in a collaboration between GCash, AliPay, and Standard Chartered. With further details on Standard Chartered's involvement, https://www.pymnts.com/news/cross-border-commerce/2018/alipay-gcash-blockchain-cross-border-remittance-philippines/ Standard Chartered is currently a RippleNet adopter, primarily using it for cross-border payments between India and Singapore. The bank has also broadcasted it's plans on extending it's utilization of RippleNet to five other countries/pairs this year. https://www.finextra.com/newsarticle/32048/standard-chartered-to-extend-use-of-ripplenet-to-more-countries Standard Chartered acting as the settlement bank by offering it's infrastructure to both AliPay and GCash for remittance services, falls into Winters statement of expanding it's capabilities to other currency pairs with the Philippine Piso (PHP), the Hong Kong Dollar (HKD), and the Chinese Yaun/renminbi (CNY) being the suspects. GCash in itself also has an abundance of service and associate overlaps with Ripple. Currently GCash and it's services such as GCASH REMIT into the Philippines is consisted of SoftBank Payments and Globe Telecom. https://www.gcash.jp/?lg=e SBI Holdings' business relationship with SoftBank has been under speculation since SBI's involvement with Ripple but Globe Telecom can reveal other intentions of GCash. GCash is not the only notable subsidiary of Globe Telecom, Mynt is another subsidiary of Globe Telecom's financial technology arm that includes Ayala Corp and Ant Financial(AliPay/Alibaba). https://www.mynt.xyz/about-us/ The significance of Mynt pertains to an announcement this past March. Globe Telecom with Ayala Corp and Ant Financial thru Mynt, partnered with MoneyGram to provide remittance services into the Philippines to smartphone users for their GCash mobile wallets. http://news.abs-cbn.com/business/tech-biz/03/08/18/globe-fintech-arm-moneygram-launch-smartphone-based-remittance-service MoneyGram is well known in the Ripple community for it's involvement in trialing xRapid for a pilot which utilizes the XRP Ledger (XRP) for cross-border payments. http://ir.moneygram.com/news-releases/news-release-details/ripple-and-moneygram-partner-modernize-payments As of now, we publicly know that Mynt (Globe Telecom, Ayala Corp, and Ant Financial) partnered with MoneyGram to improve remittance services into the Philippines for GCash mobile wallet users. MoneyGram states that it's intention on piloting XRP this past January was because the digital asset offered negligible transaction fees and because the average transaction time involving XRP is 2-3 seconds. Interesting enough, this new remittance service provided by both Alibaba and GCash involves HKD and PHP. And the transaction time publicly shared took only 3 seconds... After Alibaba's failure to acquire MoneyGram this past January (same time as MoneyGram's announcement of it's xRapid pilot), Alibaba was adamant that they would still collaborate with MoneyGram to develop remittance and digital payments to several countries including the Philippines........ https://www.reuters.com/article/us-moneygram-intl-m-a-ant-financial/u-s-blocks-moneygram-sale-to-chinas-ant-financial-on-national-security-concerns-idUSKBN1ER1R7 Very interesting times indeed! Time will only tell EDIT: (more speculation in regards to GCash & Western Union) GXI description, https://businessmirror.com.ph/western-union-expands-digital-distribution-through-gcash-mobile-wallets/
  3. 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............. EDIT https://mobile.twitter.com/bgarlinghouse/status/961250935115743232 EDIT 2 https://www.pymnts.com/digital-payments/2018/mastercard-uae-exchange-prepaid-cards-digital-payments/amp/?p=474082&__twitter_impression=true
  4. The origin of dLocal stems all the way to AstroPay. AstroPay is one Latin America's largest cross-border payment providers. In 2014, AstroPay was one of the first cross-border payment providers to adopt and utilize Ripple technology. At the time AstroPay was the largest cross-border payments services provider in Latin America with more than 600,000 customers in seven countries conducting 5,000 unique transactions per day. The company went further into adoption by opening a gateway within the XRP Ledger called Ripple LatAtm, becoming the region's first licensed money service business to use Ripple for payment transactions. https://www.astropay.com/ https://www.alfacashier.com/exchange/astropay/ripple https://ripple.com/ripple_press/astropay-launches-first-latin-american-money-service-business-on-ripple-protocol/ https://ripple.com/insights/ripple-ecosystem-expands-to-7-countries-in-latin-america/ Ripple LatAm originally was offering it's services to the following countries, Brazil, Chile, Colombia, Mexico, Peru, Argentina, and Uruguay. So what is the tie in to dLocal? AstroPay, dLocal, and (at least one of the co-founders of dLocal) is the founder of Ripple LatAm (Andres Bzurovski). What is the significance of this relationship? Essentially the founders have used the XRP Ledger/xRapid in the past and the likely hood of them utilizing it again stands high considering the need of their clientele. (including Uber, goDaddy, etc.) https://www.forbes.com/sites/rogeraitken/2017/06/23/chinas-alipay-unionpay-wechat-pay-join-latam-fintechs-digital-payments-platform-revolution/#d597ca63a71a This integration between these Chinese parties and dLocal might also be explained by their ambitions to foster presence in the continent. https://asia.nikkei.com/Business/Trends/Chinese-internet-giants-head-for-Latin-America?page=1 dLocal is also In the process of expanding as well, opening a office in New Delhi and planning to enter Morocco, Egypt, Nigeria and Southeast Asia. (and just as a remainder, the NPCI is in charge of the UPI in India, the very same organization in talks with Ripple to use their technology for the ENTIRE payment system in India) http://wwd.com/business-news/technology/cross-border-fintech-firm-dlocal-opens-new-delhi-office-launches-in-india-10965958/ https://www.elobservador.com.uy/uruguaya-dlocal-trabaja-junto-al-mit-conquistar-mercados-n1165564 The connection to MIT is rather interesting as well, as the number of MIT nodes within the network has significantly increased the past months. Regardless of the cause one thing is certain, for cross-border payments that are low valued, XRP is desirable for cost efficiency.............. EDIT: It might explain why Ripple is looking for a project manager in LATAM https://www.linkedin.com/jobs/view/project-manager%2C-latam-at-ripple-566636064 (there is much more to come .....)
  5. Browsing through the agenda of the comming days, all big payment players seem to be there (Apple, Alipay, Visa, Mastercard, Paypal, etc.) as also several supportive partners that passed on this forum before. I saw an interpretation on twitter connecting Stellar to Paypal because of this agenda, but that seems a too easy / pump conclusion as they are (actualy 2x) indeed together in a timeslot, but together with other participants in a paneldiscussion and presentation queue. But still, I can imagine that statements might influence the markets. Any thoughts? I don't see Rippe there.. but as too much expectations did not work out the last time, maybe this time the exact opposite ?? https://files.money2020.com/public/jAVEIl5/xOZcTGNvex.pdf?_ga=2.13394359.1460367270.1508609453-904291530.1498331769
  6. I just pinged alipay.ripple.com and I got response! The only thing that looks discouraging is the "we.love.servers.at.ioflood.com". What do you think?
  7. http://www.sixthtone.com/news/1000633/a-day-without-cash-are-chinese-consumers-ready%3F So, this article doesn't mention Ripple, but I think it's probably the reason why Ripple doesn't really see the need to focus on creating consumer facing products. Imagine the transaction volume for Ripple/ XRP if it was acting as the plumbing/ settlement for services like Tencent or Alipay, and the best part is these types of platforms already exist.
  8. I talk about Ripple's Chinese expansion in my latest blog entry. I discovered just how big the Chinese banking market is.Spoiler alert - biggest in the world by FAR. I hope you enjoy. Please leave any feedback below, and feel free to share on any other media! Here are the links to my blog announcement(s) on other media: Reddit Twitter Bitcointalk - alt coin sub forum Bitcointalk - XRP Speculation Thread
  9. https://cointelegraph.com/news/overvaluation-of-blockchain-projects-ripple-was-30-of-60-bln-alipay Are we the not-so-smart?
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