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  1. This is my latest blog entry. A lot of crypto investors don't really think beyond a small "play" on Polo where they try to cash in on a hot crypto that's "going parabolic". But if you're looking to make an investment that has the most future potential, you have to see entire future trends and markets well ahead of time, like Ripple tends to do with uncanny accuracy, in my opinion. Let me know if you agree / disagree, and feel free to share as much as you like! Reddit: Twitter:
  2. Hi Guys. I just saw bit of information on XRP Distribution strategy by Ripple. I think this is updated information because i did not see it before at XRP Portal page. If market conditions permit, we expect our company to hold approximately 50 billion XRP by the end of 2021. This schedule is indicative and discretionary. TOTAL XRP HELD BY RIPPLE:64,439,207,292 TOTAL XRP HELD BY OTHERS:35,558,046,921*
  3. I surmise that the publicity that this post generated resulted in some amount of investment by groups of speculators, but it would be interesting to see just how much... much to my surprise, the mainstream news media didn't really talk about it much. I would think that even the crypto-currency press coverage would have pounced on this!
  4. MUST READ !!! Why 1 XRP (ripple) will be worth at least $200 per coin : I have studied every cryptocoin and it is the one wih the most potential. It might take years , but I think ripple (XRP) market cap will reach at least $20 trillion , probably much more , because XRP-ripple is a deflationary store of value , a very fast currency and a payment protocol. So 1 XRP could be worth at least $200. Here's why : Let's compare it to GOLD & bitcoin : As you know gold is not very convinient (it's heavy , you can't pay with it) , but still , its market cap is over $7.5 trillion (ripple market cap is now 10 billion = $0.01 trillion) . We don't know what the total supply will be , and a small portion of gold doesn't get destroyed each time it's exchanged like XRP. In addition , banks don't need gold to make cheaper , faster and more reliable cross border payments. So XRP is really undervalued. A bit like the internet in 1993. It existed but nobody really had it. And history have proven that sometimes in one week a chart can rise more than in the past 5 years. We could also compare it to bitcoin. Bitcoin transaction fees are way more expensive , much slower , and bitcoin is less deflationary than ripple , but still market cap is higher. So XRP is really undervalued again and bitcoin dominance is decreasing. Altoins are surging , charts are skyrocketing. In addition , governements all over the world are priting money at unprecedented speed , and the national debts are skyrocketing so it should lead to faster inflation. People will look for better ways to keep their money uninflated , and nowadays , cryptocurrencies are a better investment than real estate , stocks or commodities. And ripple is the best of them. . Investing in cryptocurrencies is less complicated , you can cash out at any moment , it has no rollover fee , no margin call , and it's more profitable than traditional investments. XRP price will grow thanks to banks (there are $180 trillion worth of cross-border payments made every year , and that number could be much higher if it was instant) , also thanks to investors , private wealthy bank accounts ($152 trillion in 2014) , and thanks to users that want to prevent themselves from frozen funds , bankruptcy of the bank (see recent exemple in Italy , July 26 2017) , have instant-cheap transactions , or "tax evasion" for rich users. Compared to its two rivals Bitcoin and Ethereum , Ripple is also less complicated (user friendly wallet , easier to understand..) , cheaper to use (much lower transaction fees) and cheaper to buy ( it costs a few cents) , much faster (money is transfered in seconds vs most of the time minutes or hours for eth and btc) , much more eco-friendly (no mining) and so much more scalable ( It can handle 1000 transactions per second and soon as much as VISA , bitcoin can only handle 3-5 per second and ethereum 15/s). It has no hacking history , no hard fork history , no bad reputation , it has a max supply (unlike ethereum) and XRP is the only currency that has no counterparty risk for banks. This lowers settlement costs because no nostro accounts are requiered , intermediary banks are not needed anymore. Finally , many big banks and institutions from all over the world partnered with Ripple with plans to deploy global money transfers over a blockchain in 2018. SBI Ripple Asia announced that a consortium of 47 banks have successfully completed a pilot implementation of Ripple in Japan using a cloud-based payments platform. As a result, the consortium has confirmed that it will move into commercial phase. For now a few banks are already using ripple network to power real-time payments for their customers like the Thailand-based bank SBC , for remittance flows between Japan and Thailand. Many more banks should follow. Ripple is also partnering with Bank of America , Santanders , UBS , BBVA , NBAD etc Ripple is also backed by Google and many other professional investment companies. It could replace the slow , outdated and expensive SWIFT technology. And of course , as you know fiat currencies are inflationary and so they lose value each year. In 1970 you could buy so much more with $100 than you can now. So why not store money in XRP? Some technical facts : XRP is a bridge currency , it can process any currency or cryptocurrency. It also aims to be more decentralized than bitcoin in the near future. XRP also has a new york virtual currency licence. 55 billion XRP will also be locked up in escrow to ensure certainty of total XRP supply. Ripple can also reduce the cost of domestic transactions. Ripple is not russian like ethereum and not from an anonymous person like bitcoin. It's a san francisco-based start up. Can you imagine if you had bought bitcoins at $0.30 or $2 in 2010 ? Would you sell bitcoin for $10 ? Or even 50$ ? of course not. Of course I'm not a financial adviser. Do your own research. My advice would be to be patient and just HOLD IT and wait for it to reach at least $100 or you might regret selling too early. Trading is worst than gambling if you do it enough , most of you will lose money. You can store XRP on the official ripple wallet : Check out this video : Any opinion?
  5. Yes, it's me. After some prodding from xrpchat forum members, I'm finally moving my blogs to an actual blog platform... but I'll still be incessantly sharing my opinion here like normal! Let me know what you think of the first off-xrpchat blog post. Hodor!
  6. I was going to title this thread "Its Not a Bubble!", but I thought the reference to Arnold Schwarzenegger's famous line from Kindergarten Cop might be lost on some readers... I kind of feel like Arnold did when people keep saying "we're in a bubble." My reaction is astonishment. If anything, it's a "bubbling trend" at best, but its definitely not a singular bubble. Singular bubbles burst, and then they go back to the previous state. There are many different parabolic valuations happening with individual ICOs (Initial Coin Offerings), and in the crypto-currency space in general. It's a massive influx of capital that is starting to look like a permanent shift in where people are storing value. I don't think there is a "bubble", because I don't foresee these people going "back" to traditional finance anytime soon. Capital Flight (source: ) So that's the official & traditional definition of capital flight. But to see how it applies in 2017, it's not just about geographic flight. It's about the money itself. Bitcoin made it possible to create a store of value that is fiat-independent and extremely resistant to government control. Anybody worldwide can own XRP, for example. And we know that, long-term, XRP is only going in one direction with regards to value. So why would investors continue to pour money into markets which are now being measured at greater and greater value against fiat, when they're smart enough to understand that inflation is occurring regardless of the official information that's being communicated? The smart ones are getting out of the traditional markets first. They've done the math and seen others get very wealthy with parabolic returns on Poloniex. Yes, it's possible for them as well - it's possible for any of us. Who's Money Is It? It's difficult to get large amounts of money directly into the crypto-currency space. As most of you have discovered, you must first deal with a transfer to ... Bitcoin, usually ... and then transfer those to an exchange where you can purchase any other type of crypto-currency. This is not a system where large amounts go unnoticed. If you're a whale trader and you want to be sneaky about things, it's very difficult due to the fact that the first steps into the system are very easily tracked by exchanges. Even given these issues, the "big money" is starting to take notice, and investment bankers and venture capitalists are starting to place their bets as well. The big risk-takers got in back in 2014, but the other more mainstream investment bankers are now on notice about the potential returns. And... it's a good bet that their customers want in on some of these headline-making returns. (source: One reporter tried to grasp the magnitude of the capital flight taking place, flowing into bitcoin and other crypto-currencies. (source: ) Notice the mention of South Korea? That's the country where, to trade any Bitcoin or crypto, one of the KYC procedures is a face-to-face interview. What's driving South Korean's to overcome even these incredible barriers to entry and pay an exorbitant mark-up on Bitcoin? Political Unrest, and increasing tensions with North Korea! (source: ) These sorts of anecdotal observations lead me to believe that it's the common "small potatoes" investor that's putting their fiat into crypto-currency. Are We Done? 83 billion might seem like a lot of international value. It's not. Its literally a blip on the radar screen of international value. Some individual companies have market capitalization larger than all of the money in crypto-currency. (source: ) We are at the beginning, not the end! We've "gone parabolic" twice now. It will happen multiple times again. If you're a trader, place your bets, but remember where your "smart money" should be when it comes to the long-term investment that will integrate with the current banking infrastructure of the world. Make sure your "stash" is safely stored in XRP!
  7. Hello All, I am looking to invest in a crypto related business, ideally an exchange. This is a serious proposal, I have cash (GBP) to invest in an exisiting business or a start-up. One option is for me to be an investor on a silent partner basis. Another option is to invest and to also contribute towards expansion and development of the project by project assisting/management and php coding. I have sent an email to one exchange but heard nothing back. In the coming days I will be contacting others en masse in the hope that progress can be made. - Are you thinking of crypto related start-up? - Do you already have one and are open to a cash injection for expansion? - Are you aware of a crypto related business that might be interested in my proposal? Please post here and let me know your views about crypto related investments in general and also about any business opportunities. Feel free to ask any questions. Thanks
  8. I think this is great news, even though it's listed in the "investment" stage still. Reason: It's a who's who of Ripple partners. The point is, we might be one step closer to definitely knowing if R3 is going to go in the direction of ILP using RCL/XRP. If you look at the list of the banks, you'll notice MANY cross-overs with the list of banks that have been running XRP and RCL, either at the trial stage or actual production integrations! Here's the list, with my bold * on the ones I know of: Banco Bradesco Bangkok Bank * Bank of America Merrill Lynch Bank of Montreal Bank of New York Mellon Barclays * BBVA * BNP Paribas B3 (BM&FBOVESPA and Cetip) Canadian Imperial Bank of Commerce Citi Commerzbank * Commonwealth Bank of Australia Credit Suisse CTBC Financial Holding Daiwa Securities Group Danske Bank Deutsche Bank HSBC ING Intel Capital Intesa Sanpaolo Itaú Unibanco S.A. * Mitsubishi UFJ Financial Group (MUFG) Mizuho Natixis Nomura Nordea Bank Northern Trust OP Cooperative Ping An * Royal Bank of Canada * SBI Group SEB Societe Generale Sumitomo Mitsui Banking Corporation * TD Bank Group Temasek The Bank of Nova Scotia * The Royal Bank of Scotland U.S. Bank * UBS AG Wells Fargo Westpac I know for a fact I've missed some - let me know if any others have been experimenting with XRP / RCL already.
  9. I'd like to gather some opinions of the community about the pros and cons of both ledgers to evaluate my investments. I would say right now Quorum would be the direct competitor of Ripple right? What do you think? Best, RAVINTOLX
  10. I am new here. Are we allowed to seek or share trading or investment advice on ripples in this chat room?
  11. Hi to all ripple friends , does anybody knows if there is a cryptocurrency index investment fund out there? if so , what crypto index fund can you recommend? please share info . Thanks.
  12. @miguel Dear Miguel, I loved your interview and believe Ripple has chosen the right person for the job. You mentioned that you would like to increase the XRP demand in order to increase the price but I am sorry to say that at this moment this statement is very contradictory because to do that you have to make sure that buying xrp should be piece of cake for new customers but infact it is not easily available to people who are seriously interested in buying them, they have to go through hoops and hoops of cryptos and fiats to buy xrp which sometimes puts serious buyers off. I will give you my own example. I am in Australia ( in which you are working with multiple banks (but still dont have any website directly offering xrp, which is a shame to be honest. I paid 8% in fee and charges (including forex and bank fee and charges ) which could be saved, had xrp been available in Aud. @miguelI do not consider myself wise enough to tell you about your business but if that is ok with you, i would like to add my two cents. In order for people to trust you with their money i think (among other important things) two things are must (apart from stability of price ofcourse ) (1) Easily availability (even gold is useless if interested buyers can not buy that ) (2) trustworthy wallets to store their xrp ( I love gatehub but most of the conservative customers would probably prefer if their banks or companies supported by their banks can store them. (example Coinbase supported by Westpac ). Keep doing a good job mate.
  13. In the light of new information about different banks onboard with Ripple. What do you guys think will be the right price to get out of xrp. I think 25% at 10 cents (Assuming it ever gets there and above ) 25% @ 25 cents 25% @1 USD then depending on news and market at that time. Please share your opinions in the hypothetical scenario of price going up as i find its easier to not to sell when you can lose your own money because most of us have hardly thousands of dollars invested individually so anyone can live with losing few thousand dollars but when price gets to a certain point its much more money and we will be tempted to sell with each move as we dont want to lose a life changing amount and on the otherside if it goes further up we will regret it for rest of our lives that we could not hold it so for me its bit catch 22. what do you think...?
  14. I thought it would be a good idea to talk about why xrp could be the best blockchain currency investment of 2017. The biggest news at the moment is this. XRP is now very firmly established as the first mover to launch a realworld working product in the banking sector. But, there are so many other things in the works this year for Ripple. SBI and Kraken bringing better exchanges to Asia. Bitgo creating a new XRP wallet. 1,000 transactions per second vs Ethereum's 15 and bitcoin's 7. I just felt there should be a page to highlight all of the good news and people's thoughts on what this year could mean for XRP and the larger blockchain community.
  15. Looks like R3 has company in NYC.
  16. I dont know if it has been posted recently but I just found out article below. It states India is biggest recipient of foreign remittances and lots of banks have shown interest in Ripple during Dilip Rao's trip to india. Please read the full article below and let me know what you guys think...
  17. Hi Guys, Do you think should introduce free email addresses for its users. After all it will be good advertisement, will help in building trust, committment and lot of good vibes.. lot of new people will come to know about ripple and xrp that way...which will help company in making market for Xrp as well. I would love to have an email ending with how about you.. ?
  18. Long-Term Investing Pays the Best Buffett’s investing style There are three broad aspects of Warren Buffett’s investing style: investment philosophy security selection psychology of investing
  19. Hi guys, As per tweet below. Dilip Rao is going to India in regards to talks with banks.
  20. Hi Guys hopefully we can see appreciation in XRP price now. As investors should not be panicking about sudden inflow of huge number of XRP after above settlement......
  21. Hi Guys... May be I am day dreaming ... lol.... but just a thought to share with you and (but since BTC @1200 has proved its foolish to say never/impossible ) I would appreciate your honest opinion, if you think its possible for XRP to get $20-$50 per XRP range.. The basis of this assumption/dream is that as its mentioned several times by Ripple has main focus on international money transfer due to their higher conversion difference and fee/charges. so the total daily turnover of forex transaction is around $5 trillion USD (based on info available in Google )and due to cost reduction benefits and these are few possible predictions for XRP depending on how much share can it grab of the market (1) XRP grabs 20% shares of total FX market = 5Trillion *20% = 1 Trillion /100 Billion Xrp = $10 XRP (2) XRP gets 50% share of the FX market =2.5 Trillion/100 Billion xrp= $25 per XRP (3) XRP gets 80% share of the fx market =4 Trillion /100 Billion xrp=$40 per xrp (5) same way it will be $50 for 100 % share (Not a chance but just a calculation )= $50 per XRP + We need to add few more things on the positive side which could be Speculation and domestic payments (which are not part of this calculation ) etc... Please don't troll and don't use disrespectful language ... any honest criticism is welcome....
  22. Hi guys. Please correct me if I am wrong. But on the basis of news SBI is paying 3 Billion Yen for 17% of existing XRP which will equate to approx 11.9 billion yen which means 11.9 billion divided by 3 Billion =roughly 4 XRP per Yen which means in USD terms roughly they are getting each XRP for .002 which is 1/3rd of the market price.. Please share your opinions and as mentioned previously correct me if i am wrong...
  23. Hi Guys. From what i have read in posts, everybody is interpreting the SBI news differently, specially about whether SBI is getting 17% share or 17% XRP (if xrp then 17% of 66 Billion or total ). And if they got XRP @ what price they got each. I think Ripple labs as an organisation should clarify these doubts because its important information for investors. Would you agree.. ?
  24. Hi Guys, Just need your advice. How many xrp's should one buy (apart from answer as many as possible ) in order to expect a good result...? Lets put it in another way. How many would you buy if investment capital is not a big concern.. (assuming you have $50k in ur savings ) ...? I already own bit more than a million xrp and just wondering if they are sufficient or I should buy more. I have around $50 k in savings ..
  25. Hi guys, I want to know how many xrp's should I own but I cant find a baseline for it. so just wondering if you want to share how many xrp do you own (roughly) and what price would you sell it at (again hypothetical at this stage) that I could get the consensus of experience people like you... thanks a lot for your reply. and I am sorry If i sound bit intrusive... I own about a million xrp but not sure if that is sufficient to look forward to a good profit... (I am prepared to lose the whole lot in case of worst scenario )