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  1. Hi Guys, I have been into Ripple for few years but I am "Dinosaur" from technology point of view so need help with following questions, if you know the answers, any help would be greatly appreciated. how safe are cold wallets, and can one be sure of safety and security of cold wallets ( no offence to developer) as developer would know all the loopholes and may have access to security key, same issue with ledger s nano..? if your cold wallet stops working out of the blue, and the person managing it disappears, whats gonna happen to the funds..?
  2. Investment Value

    Question re: future of XRP and it's value as an investment vehicle. When I look at what Limited understanding I have about XRP and Ripple, I am puzzled by the notion that holding large volume of XRP would ever be as valuable as say, the equivalent value of BTC. These are my assumptions: Assume banks are becoming ripple customers in order to use Ripple for Bank-to-Bank transfers;(this is the stated business model and seems to be confirmed by the number of conventional banks involved with the currency.) With that stated purpose, a bank would be able to move large amounts of USD easily with fewer XRP say if XRP were ever to reach BTC values. (So at $5k per XRP the bank only has to transfer 200 XRP to move $1 Million USD, and that seems to be efficient and easier.) But once moved, if the bank's customer wants to withdraw $1M USD, then the bank has to convert the XRP to have the cash on hand, which means Ripple allows immediate Bank-to-Bank transfers but creates great risk for bank balance sheets. Assume for a moment that this issue cannot be solved - and that the sole reason for using Ripple is to make Bank-to-Bank transfers faster and more secure, but "efficiency and ease" aren't the goal. In that circumstance it is more practical for banks to keep the value of XRP as close to the USD as possible, if not under $1 USD to factor in the bank's fees for the transfer. So to keep the numbers round, transferring $1 USD = 0.99 XRP. Then, balance sheets are a lot cleaner with less risk of the bank being shorthanded because XRPis = or <USD. Now Assume that Ripple Labs' holding 60% of the coins is being done in order to be able to control the value of XRP (i.e. flood the market when price gets too high.) And the 60% they're holding is described to customer banks as their insurance policy to guard against inflation of the XRP value. Assume that XRP as a consumer payment method (for example accepted currency by Alibaba and transacted with AliPay) would also argue for the value to be held to a very (relative to BTC) low value because consumer transactions require a value easily obtainable. Now my question: if the above assumptions are true, and it makes sense for XRP to stay closer to the value of USD, is there reason to believe the value of XRP will ever exceed $1 USD? Just wondering where my understanding lapses ... so I can understand the XRP investment logic. I'm holding a reasonable number of coins and deciding whether to continue to increase investments. Contributions appreciated.
  3. http://www.profitconfidential.com/cryptocurrency/ripple/ripple-price-forecast-analysis-august-21-2017/
  4. XRP is the future i got this from Ripple.com and was going through article with link below, Major thing here was confidence in words, Please tell me if you felt the same. Here you go. "It’s a question of WHEN, not IF, banks and other financial institutions begin using digital assets in their day-to-day business operations and it will be interesting to see who the winners and losers in the digital asset space will be. We are confident that XRP will succeed because it has a purpose – enabling financial institutions to send money across borders quickly, cheaply, and easily – that is relevant to businesses and consumers everywhere." https://ripple.com/insights/nine-things-need-know-xrp/ Thanks
  5. A common line of thought has been this, don't invest more than you can afford to lose. But, if an investor invests in crypto in small amounts, won't the returns also be fairly small? I'm not sure if there'll be another coin that's currently selling for cents and will probably shoot up like BTC did. Right now, I limit myself to spending $100 per month in the coins that I support, and their technology. But I also feel that a small investment like this will probably not amount to something big. People who've become crypto millionaires have put in at least 40-80k USD into their investments in the earlier years...
  6. https://xrphodor.wordpress.com/2017/07/18/future-proof-your-portfolio-with-xrp/ 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: https://www.reddit.com/r/Ripple/comments/6o41dx/future_proof_your_portfolio_with_xrp/ Twitter: https://twitter.com/Hodor7777/status/887429811592978433
  7. 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! http://pagesix.com/2017/06/04/matthew-mellons-ripple-investment-is-paying-off/
  8. https://xrphodor.wordpress.com/ 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!
  9. 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
  10. 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: http://www.investopedia.com/terms/c/capitalflight.asp ) 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: https://moneymorning.com/2014/04/11/check-out-whos-investing-in-bitcoin-now/) One reporter tried to grasp the magnitude of the capital flight taking place, flowing into bitcoin and other crypto-currencies. (source: https://news.bitcoin.com/bitcoin-experience-flow-new-money-mainstream-attention/ ) 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: http://thebitcoinexaminer.com/bitcoin-price-hits-3800-in-south-korea-factors-of-arbitrage-cryptocoinsnews/ ) 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: https://en.wikipedia.org/wiki/List_of_public_corporations_by_market_capitalization ) 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!
  11. https://www.corda.net/2017/05/r3-secures-largest-ever-investment-distributed-ledger-technology-usd-107-million-40-institutions/ 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.
  12. 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
  13. I am new here. Are we allowed to seek or share trading or investment advice on ripples in this chat room?
  14. 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.
  15. @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.
  16. 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. https://www.google.com/amp/www.cnbc.com/amp/2017/03/01/japanese-banks-plan-to-adopt-blockchain-for-payments.html 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.
  17. 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...?
  18. http://uk.reuters.com/article/uk-axoni-blockchain-idUKKBN14907A Looks like R3 has company in NYC.
  19. 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... http://timesofindia.indiatimes.com/business/india-business/Overseas-remittances-costs-to-reduce-with-new-system/articleshow/53767362.cms
  20. 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*
  21. Hi Guys, Do you think Ripple.com 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 ripple.com how about you.. ?
  22. http://marketrealist.com/2015/04/buffett-letters-10-commandments-investors/ 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
  23. Hi guys, As per tweet below. Dilip Rao is going to India in regards to talks with banks.
  24. Hi guys. Most of us on this blog are waiting for XRP price to get to go up so that we can sell it but apart from risk of losing money bcz of not enough alpreciation, there is also risk of selling it to early only to regret later. Just want your opinions on ur XRP exit strategy that can reduce risk of selling urself short.
  25. http://www.coindesk.com/ripple-jed-mccaleb-settle-suit-over-1-million-in-disputed-funds/ 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......