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https://www.profitconfidential.com/cryptocurrency/ripple/xrp-price-prediction-swift-tries-combat-growing-xrp-threat/ I enjoyed reading this article and would like to know what 'report' its referring to. What have I missed? They are maintaining the $10 price prediction too. "there was a report that SWIFT, Ripple’s main rival, is talking up its efforts in distributed ledger technology (DLT)." It's nice to see predictions holding firm despite the long slump.

Awhile back I had signed the petition that was linked from one of Hodor's topic, this was when there was barely 1k signatures on it. Despite myself being of only one person with no direct impact or importance in regards to the evolution of exchanges (primarily Coinbase), and how they handle variety of parings to their customers, my hand has been forced to take action to what I promised back then on my comment section of the petition. "I will be looking to do business with a competitor of CB who will be willing to accept XRP fiat parings, if you (CB) do not adapt in a timely manner to the growing demand for XRP adoption." It has been alarming to me the growth of Blockchain technology in the fin-tech space since 2013 and I am no fool as to which ideology helped Coinbase grow in popularity at a exponential rate, the decentralized anarchists. I am very excited for exchanges like Uphold and CryptoBuzz and what they will bring to the growing global digital trade venue, but not so much ever excited these days in hearing from the majority of YouTuber's moon chants and howls for Lambos in every garage for each of their teenage followers, of who mainly support a already failed BTCcore ideology but just don't know it yet. It is my belief that banks will provide a payment platform of Value for the "Internet of Things" by using a superior Blockchain, Ripple's XRP utility asset that will bridge payments of any type in a regulated environment.

https://bitcoinist.com/farewell-bitcoin-cash-microsoft-chain-scaling-degrades-decentralization/ If this gets implemented will bitcoin be faster and cheaper than xrp?

After my last disastrous foray into community services (not many people liked the idea and I fell badly foul of Ripple Intellectual Property law, thanks for the warning guys!), I thought I would have another crack. This time it is pretty simple: 1. Sign up to the website - www.cryptoprizecompetition.com 2. Answer 3 questions correctly - all the questions are XRP related so if you have read the latest hodor articles then you should be fine.... 3. Go into the prize draw to win 1000 XRP! There is a coupon for 1 free entry per activated wallet - enter FREEXRP at the checkout. See terms and conditions for full details. For those of you worried about phishing and what not then just use a different email address and password to what you normally do. In addition your wallet address is public knowledge so no need to worry about giving these details away as they are available openly! Now I`m a member of the community trying to make the XRP ecosystem a bit more exciting and fun so please any advice or help is gratefully accepted. Also if you want to say mean things then please ensure they are constructive! All the best and any questions then just ask. RippleGambler

Another extraordinary year is gone.. rich of Fud but terrific growth too. Now, in a Buy & Hodling mood, I want to call you to vote for the Best 2017 FUDBuster. And the winner is...(Who?)

There are a lot of creative members in the Forum. So, let it all ripple in, and submit your own Ripple T-shirt design. The winner get´s Glory and I will personally pay and send the winning T-shirt design to whoever that might be. My tought is that a Moderator will help me Close this thread by the end of 2017. And then all moderators will be the Jury of the best, second best and third best Ripple T-shirt design. That is, if the Moderators don´t mind ? + ? To start it off, I contribute with a design of mine, that is not in the Competition. Just to get you All going.

I am trying to understand the difference between XRP and XLM. Can someone explains if even they should be qualified as competitors? Thank you

The XRP token is not in the current bull run because of some misconceived reasons which require scrutiny: 1) Although many banks are using the XRP platform as a money transfer system, the XRP token is not boosted by this fact because the ledger has nothing to do with the altcoin. My idiot-level view: Imaging the XRP platform to be a car that can run on different types/brands of fuel like gasoline, water, diesel, brine, etc. (i.e. the metaphors for major fiat currencies, Bitcoin and the major Altcoins including the XRP token, collectively the "Usable Currencies"). In such a sense it can be said the XRP ledger (the "car") is currently helping banks remit many forms of money (the Usable Currencies) at a high speed and low remittance fees . However, such remittance fees, though much lower than SWIFT fees, do vary from Usable Currency to Usable Currency with that of the XRP token being the lowest. Quite obviously, as the XRP token is currently not in circulation to the extent of fiats and Bitcoin, it means it is these Usable Currencies minus the XRP token that are the current "fuel" driving the XRP platform. And the XRP firm has to let this be the situation for now in order for the platform to gain usage and popularity and as such the XRP token has not as yet experienced any great demand as the would-be ultimate currency for remittances. Once the platform catches on and becomes a popular way of remitting money, users will start comparing remittance costs among Usable Currencies and that is when the XRP Altcoin will hit the moon. Simply put, the token is indeed linked to the ledger but when you introduce a new car in the market with your own brand of petrol, you have to allow the car to sell well first before the petrol that goes with it can gain traction. 2) The XRP platform aims to replace the SWIFT system of money transfer, but since SWIFT is owned by banks, one can be sure the banks will not allow it to happen. My idiot-level view: The above is based on the wrong presumption that SWIFT is owned by all banks in the world and each bank stands to lose out should XRP take over SWIFT. The truth is SWIFT is only owned by its members which are financial institutions and non-member financial institutions do not benefit from the high fees charged by the SWIFT system. In any event, financial institutions are not the only party transferring money, non-banking related businesses, which is the overwhelming majority, also have to remit/transfer money and it is due to a lack of choice that they have to make use of the SWIFT system via banks. The XRP system enables such majority to bypass banks and SWIFT. The fact that so many banks have presently converted themselves to XRP banks (see below) proves that it is a matter of time before SWIFT banks become overwhelmed because XRP fees are as much as 60% cheaper. 3) New ledgers/platforms are coming into existence which adopt or copy some of XRP"s technology and as such, the XRP token is unlikely to appreciate and instead its price may even collapse. My idiot-level view: Presently, XRP has been approved or is being used by the US Federal Reserve, the Bank of England, a consortium of Japanese banks with 61 members including Japan Post Bank as well as the country’s three megabanks – Mitsubishi UFJ Financial Group, Sumitomo Mitsui Financial Group and Mizuho Financial Group – representing more than 80 per cent of Japanese banking assets, the Siam Commercial Bank, with another between 20 and 25 banks planning to sign with Ripple in the next 18 months in the Asia-Pacific region. There is also a lot of interest expressed by both the public and the private banks in China with one of the biggest banks there already using the system which is also supported by large communities, including those of Google, Facebook and Uber. And the Ripple team is working hard in signing up more users worldwide. Such first mover advantage will be very difficult for any new competitor to overtake. 4) XRP's Interledger solution is a peer-to-peer solution which means banks using it can lose control of their own network as distinct from a Hyperledger, which is a private blockchain with a centralised hub to control the process and banks using it will be able to control transactions among their own branches. My idiot-level view: As previously mentioned, banks presently do a lot of remittances/transfers because businesses, which form the bulk of remitters, have no choice but to do so through banks. Once the XRP system catches on because of its great savings and its flexibility and convenience of use (without for anyone having to go to or through the bank) monetary transfers by banks will fall to a negligible level. As such, the role of banks in such transfers is likely to be wiped out someday. Hence, the point here is a non-issue to me. 5) The Ripple firm has retained 60 billion XRP coins and can therefore flood the market with it causing the token's unit price to collapse. My idiot-level view: Apart from the firm's promise in locking 14 billion in XRP Cryptocurrency (which does not seem to appease many people so far), the truth of the matter is this. Would the firm shoot itself in the foot by allowing the XRP unit price to collapse thereby rendering whatever XRP coins it is holding or retaining worthless? 6) XRP is a centralized system which means the system is under the control of a single firm. My idiot-level view: The question here is this. Does XRP the firm introduce its technology to the world just for the sake of technology or the fun of it, or is it also to make money? If it is also to make money, the fact that the system is under centralized control must mean that it gives the firm a guaranteed freedom without interference to administer the whole platform and improve on it wherever necessary in order to steer it to become the world's standard for money transfers or, to put it in another way, to ensure that whatever XRP coins it is retaining will make a lot of money for all those guys who have been contributing towards the technology and managing the whole system. In short, why begrudge these guys making big money out of their tokens? Do third-party holders of XRP coins be it investors, punters, businesses, banks, etc. not stand to benefit in the process if the closed system becomes a success unlike what is now happening to decentralized Bitcoin -- think BTC, BTH, SegWit2x, and other potential forks that have yet to come about! Is that good for Bitcoin as the top Cryptocurrency? 7) XRP is dead because of the above (misconceived) allegations. My idiot-level view: Apart from the above views in rebuttal, the point here is that currently at about 16 cents, XRP is almost guaranteed to be the best punt for one to at least double his capital quickly once BTC's price starts to unwind together with those of ETH, BTH, etc. in tandem when those who have sold out to take profit will likely put part of it into XRP hopefully to double or triple their profits because at 16 cents it is not that difficult for XRP to go up by just another 16 or more to 32 and above. THE ABOVE IS NOT INTENDED AS FINANCIAL ADVICE BUT JUST A PERSONAL VIEW

Ripple has built roadways where money can travel. Xrp is like a car running on those roadways. Ethereum is a secretary and lawyer. ETH is how you pay that secretary or lawyer. Neither one is trying to do the job that the other is doing. They are not competitors That's why banks are backing both and will continue to back both until a competitor, if any, comes along.

GUESSING GAME - PRICE ON 1ST JANUARY 2016 Are you ready to win XRP? To show off your skills at gazing into the crystal ball? Then have a go at predicting the price of XRP! What will the price be on 1st January 2016? Simply have a guess in this topic (e.g $0.005) and 1000 shiny XRP could be all yours. See the rules below and good luck fellow Ripplers!! Rules: Guesses must be in USD ($0.005 or 0.005 are acceptable) You can only guess once. If you post two prices in the thread, you are disqualified. You must choose ONE price. e.g. 0.00456 ± 0.0005 is not allowed. Moderators and Ripple Employees cannot play (sorry!) If two people select the same price, the person who posted first wins. Any edits of your price post will disqualify you, so choose a price and stick to it! I may need to make up other rules on the spot to ensure a fair game. Prize delivered only in XRP to the account you nominate. Entries Close: Thursday 17th December 12:15 ACDT Entries are compared to the price as at Friday 1st January 2016 using RippleCharts on XRP/USD Bitstamp 12:15 ACDT 5m interval

https://www.cryptocoinsnews.com/coinprism-launches-openchain-an-open-source-distributed-ledger/