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  1. The Gates Foundation and Ripple's formation of Mojaloop was to address the current financial system's inadequacies on providing services to individuals living below the poverty line and in remote areas of their respective countries. Mojaloop makes use of Ripple's Interledger Protocol to bridge mobile wallets to current digital financial services. Currently, the complexity and costs associated with developing digital financial services for new markets is daunting for banks to overtake. Further complicating the issue, making these new services interoperable with one another requires mass coordination between multiple parties on a grand-scale. Mojaloop provides financial providers, governments and mobile network operators a simplified and economical option for developing new inclusive payments platforms. https://ripple.com/insights/news/ripple-the-gates-foundation-team-up-to-level-the-economic-playing-field-for-the-poor/ Along with with the Gates Foundation and Ripple, Dwolla, ModusBox, Software Group and Crosslake Technologies contributed to the Mojaloop project. For Dwolla this isn't the first project they've crossed paths with Ripple on. Several years ago, both companies were developing and trialing the "Shift Card" alongside Shift (ShiftPayments). Whether or not there was any direct collaboration is unknown but Ripple did help in the development of the Shift Card, while the card is integrated into the Dwolla network. https://techcrunch.com/2014/08/12/shift-is-developing-a-debit-card-that-lets-you-spend-digital-currency-loyalty-points-and-regular-money/ https://techcrunch.com/2015/11/20/coinbase-partners-with-shift-payments-to-issue-bitcoin-debit-card/ https://gomedici.com/shift-payments-launches-new-mobile-app-to-track-payments-and-dwolla-balance/ More recently, Dwolla has been collaborating with startups to build solutions on tracking assets on the blockchain between the fintech ecosystem and traditional financial system. https://www.coindesk.com/dwolla-returns-blockchain-not-bitcoin/ Dwolla and Ripple also find themselves converging in another area of innovation, the FED's Faster Payment Task Force. Established in 2015, the FED's Faster Payments Task Force is responsible for multiple objectives with one being the assessment of alternative approaches for faster payment capabilities in the United States. Several hundred of stakeholders consisting of banks, regulators, and technology companies were gathered to create a guideline to modernize the U.S. payments infrastructure. The Task Force ultimately established a long-term target for new solutions to meet market needs by 2020. These needs pertaining to speed, efficiency, governance, and etc. Both Ripple and Dwolla submitted proposals on addressing the current issues the U.S. payment infrastructure faces. Ripple: https://ripple.com/insights/federal-reserve-task-force-ripple-improves-speed-transparency-global-payments/ Dwolla proposing it's payment platform utilizing it's API: https://www.forbes.com/sites/tomgroenfeldt/2017/01/25/feds-faster-payments-task-force-should-seek-implementation-in-three-years-dwolla/#1514dfa26088 Along with their proposals, Dwolla and Ripple (thru Ryan Zagone) were elected to the Federal Reserve’s Faster Payments Task Force Steering Committee. A committee to guide the members of the Task Force to obtain their long-term goals. https://fedpaymentsimprovement.org/faster-payments/about-the-task-force/roster/ This proximity is bound to lead to collaboration to address and meet the Faster Payments Task Force long-term goals for modernizing the U.S. Payment Infrastructure. I do know one thing. One of Dwolla's investors, Ashton Kutcher, seems to be a fan of Ripple currently. https://www.cnbc.com/id/47021465 (obligatory mention: Greg Kidd's GlobaliD is integrated with Dwolla's network) EDIT Ashton Kutcher reinforcing his support for Ripple.
  2. Back in Oct 2017 (seems so long ago) A partnership with the Gate foundation was announced at SWELL. I was doing some research looking for progress and couldn't find much. What is super interesting is in March 2017 This is a great vid of where Bill Gates thinks the market is going. My prediction is the NEXT BIG announcement will be with some cell phone company. I saw this press release that was posted sometime in early Jan 2018 https://www.gatesfoundation.org/Media-Center/Press-Releases/2009/02/GSMA-to-Expand-Availability-of-Financial-Services-through-Mobile-Phones
  3. 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
  4. Now that the SWELL conference is complete, it's good to look back and analyze it objectively from a couple different standpoints to truly understand its impact. This blog entry covers my take on the SWELL conference, the latest Ripple and XRP news, and breaks it down for an ordinary XRP investor. Hope you enjoy, and please leave any feedback below! As always, please feel welcome to share with anybody else on any other media & thank you for sharing. My blog announcements on other media: Twitter Reddit Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread
  5. http://ethereumworldnews.com/ripple-turn-best-payment-system-gates-foundation-support/
  6. SWELL has generated industry-wide publicity for Ripple. Time to give those curious some advice on their first steps in owning XRP. This blog entry is for the newbies! I cover topics like choosing an exchange and a wallet, for those that are just stepping into the space. Hope you enjoy & please feel free to leave feedback below. As always, feel free to share on other media & thanks for doing so! My blog announcements on other media: Twitter Reddit Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread Discord
  7. https://ripple.com/insights/ripple-the-gates-foundation-team-up-to-level-the-economic-playing-field-for-the-poor/
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