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  1. The former CEO of Microsoft is concerned about the crypto hype and warned every one of its deadly aspects. During a Reddit “Ask Me Anything” session on Tuesday, while answering a question, Gates said that the anonymity of the technology has “caused deaths in a fairly direct way.” https://viraldocks.com/bill-gates-warns-cryptocurrency/
  2. CONTEXT: this is to address the speculation on a possible joint Ripple/Gates Foundation announcement The Gates Foundation So what is the Gates Foundation? Going off it's Wikipedia web page, the Bill & Melinda Gates Foundation, also known as the Gates Foundation, is a private foundation founded by Bill and Melinda Gates. It was launched in 2000 and is said to be the largest transparently operated private foundation in the world. The foundation has a number philanthropic goals with one being, https://www.gatesfoundation.org/What-We-Do/Global-Development/Financial-Services-for-the-Poor So what is one of the GF's strategy in accomplishing this? Targeting the Digital Payment Systems, https://www.gatesfoundation.org/What-We-Do/Global-Development/Financial-Services-for-the-Poor The Ripple/Gates Foundation Connection Is there any connection between Ripple and the Gates Foundation? Well...... Besides the occasional Ripple Insight articles on the Gates Foundations progress on connecting people to financial services, the GF themselves have had their eye and interest on Ripple. Bill Gates himself has noted the significance of distributed financial technologies such as Ripple as a model to connect the world to financial services. https://ripple.com/insights/why-bill-gates-believes-2016-will-be-the-year-of-financial-inclusion/ Within the Gates Foundation, there is an individual by the name of Konstantin Peric that shares an interest on Ripple due to his position in the GF. Peric is the deputy director of the Financial Services for the Poor team that focuses on digital payments. He oversees the strategy and grants to deliver digital payment solutions for the poor with current focus countries including Nigeria, Indonesia, Pakistan, India, Bangladesh. https://www.gatesfoundation.org/What-We-Do/Global-Development/Financial-Services-for-the-Poor/Strategy-Leadership/Konstantin-Peric Just like Bill Gates, Peric has been previously covered on Ripple Insights for his work. https://ripple.com/insights/kosta-perics-mission-to-reach-the-unreachable/ Peric himself has mentioned Ripple in a Newsweek article pertaining to "How Financial Inclusion Could Add $3.7 Trillion to the Developing World". In the article Peric explains one of the challenges they face is clearing and settlement between different providers. Explaining that the current financial system has a great deal of friction. He goes on to say, and then specifically mentions Ripple http://www.newsweek.com/financial-inclusion-could-add-37-trillion-developing-world-528462 Kosta has also been seen tweeting Ripple related news, The SouthEast Asian Enviornment As mentioned previously, Peric has a focus on countries that include Indonesia and India. India in particular has been undergoing some drastic changes within the country. Over the course of a night, Indian citizens woke up to the news that Indian Prime Minister Narendra Modi had declared that the 500 and 1,000-rupee notes were no longer legal tender. The implications were great as http://www.business-standard.com/article/economy-policy/86-of-currency-by-value-in-india-are-of-rs-500-rs-1-000-denominations-116110801416_1.html https://www.forbes.com/sites/patrickwwatson/2016/12/01/indias-demonetization-could-be-the-first-cash-domino-to-fall/#425f3dd463db As a result, it has pushed the usage of digital payments in the country. Meanwhile, two nation wide movements have been undergoing for years now. India attempting to build the largest biometric centralized database (Aadhar) in the world and it's financial sector exposing itself and trialing blockchain technology. http://www.nytimes.com/2011/09/02/world/asia/02india.html https://qz.com/1034358/ubi-and-automation-could-be-the-symbiotic-solution-for-displaced-workers/ Both movements are converging in a particular area in association to including the low income population of the country, the cellphone. A huge initiative behind publicly registering oneself into the biometric database (Aadhar) for the poor is the capability to purchase a cell phone and open a bank account once a digital identity has been created for the individual. On the blockchain end, different Indian financial institutions have been experimenting different systems utilizing blockchain technology. In an excerpt of an article written by Saurabh Agrawal, Co-Founder & CEO, Zebpay, he goes to say: https://www.siliconindiamagazine.com/viewpoint/ceo-insights/the-indian-tale-of-blockchain-digital-payments-nwid-7517.html With the launch of the Unified Payment Interface in India, it allowed banks to transfer money directly to one another based on a single identifier, such as the Aadhar number. https://www.washingtonpost.com/news/innovations/wp/2017/01/23/what-the-u-s-can-learn-from-indias-move-toward-a-cashless-society/?utm_term=.53085c17ae64 The End Goal? So let's try to tie things together. The Gates Foundation, thru Peric, is involved in connecting poor and rural areas of India to the finacial system. While the country on it's end has begun to close the gap by being proactive and implementing different policies in regards to the inclusion of the poor into the financial system. All nicely tied by cellular devices. So where is Ripple in all this? Other than bringing some of the major Indian banks into the network, there has been one interesting development. https://www.indianweb2.com/2017/07/15/makers-indias-upi-app-bringing-ripple-technology-india/ There also has been some recent developments in regards to the ILP as well, We also know thru the Japanese consortium of banks, there has been the development of a mobile application. https://ripple.com/insights/sumitomo-mitsui-banking-corporation-and-japan-post-bank-join-sbi-ripple-asias-bank-consortium/ While new Ripple job positions have been opening in India with Dilip Rao relocating into the region to be more engaged on something. I wonder what our friend Kosta Peric has been tweeting about.... (on a side note, Modi and Shinzo Abe are close. from what we hear about the Japanese government and it's financial system...... ) UPDATE
  3. https://medium.com/backchannel/bill-gates-on-mobile-banking-connecting-the-world-and-ai-937f35c8a110 Also Hi everyone! First Post!
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