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  1. There's been numerous threads about utility based analysis of how high XRP price could rise. Here is one example: https://www.xrpchat.com/topic/18706-xrp-market-potential-value/ I've created this thread to throw out what I consider to be a good "starting point" for utility-based analysis. Personally, I struggle with the finer-grained differences between the potential markets: B2B (Business to business) P2P (Peer to peer or person to person) P2B (person to business) Once we zero in on one of these three categories, we can then further categorize the markets and get some historical numbers to plug in. For example, within the category of "P2P" are remittances across borders such as what MoneyGram handles along with Mercury FX, Flash FX, IDT, and Cuallix. Also American Express and Western Union now! I wanted to create this specific topic as a stand-alone thread before I then take the number and extrapolate to use it in a utility-based analysis of XRP price. In the past, I've used old SWIFT numbers. I've seen other authors manage to get their hands on other numbers as well, but I'm not sure if some of those overlap or should be considered separate from each other. For example, is the CHIPs system accounted for in the SWIFT number? I don't think so, but I'm not sure. We'd need somebody 'from the industry' to comment on some of the numbers that would comprise our starting point for utility-based estimation of XRP price. Let me know if you feel strongly one way or the other, or are from the industry and have some valuable sources of statistics to contribute. Thank you!
  2. Hi, I'm launching a free service, Zapster, to help the community accept XRP as payment on their websites. I store no personal details about you and charge no setup or transaction fee. The aim is to try an reduce any friction you might have accepting XRP as a payment form. I have a simple API that allows you to create transactions (associated to an account you've created). The "transaction" just holds details of what to check the XRP ledger for, for an incoming payment to your own wallet. Once the transaction is created you can pull in a unique url into an iframe on your site which will provide payment instructions for the user and monitor the ledger for the incoming payment. Once I've identified the transaction I notify your website through a redirection to a url you specify, passing through some encrypted data so you can verify and complete the checkout process on your site. The payment instructions form that's hosted looks like the attachment - You can see a full demo here https://zapster.io/demo. The service is very MVP (minimum viable product) at the moment - if it gains traction then I will certainly add more features / rigorous validation etc. If you wish to raise feature requests you can do so on the bitbucket issues page - https://bitbucket.org/evolve-software/zapster/issues?&sort=-created_on I would appreciate any feedback from the community, positive or otherwise as it'll all be taken constructively. Feel free to drop me a line - most forms of feedback on the site go straight to my slack channel and I'm pretty responsive (might not be for the next few days) Happy Christmas Matt
  3. So, the European Union just voted in favour of article 13. This will make contet creators able to demand payments for or takedowns of their content. The big guys like Facebook and Youtube need to adapt to these rules and need to either stop copyrigh infringement or pay up. Guess who has been working on this exact problem for at least 5 years,... https://www.cnbc.com/2018/09/12/article-13-eu-parliament-votes-on-digital-copyright-law.html
  4. https://techcrunch.com/2018/03/22/google-assistant-on-phones-now-lets-you-send-and-receive-money Sending each other money across the globe through your voice assistant in multiple currencies doesn't seem so far fetched. 0 fees? Instant transfers? Hmm.
  5. Hi, Inspired by the recent news about SMBs and store owners accepting XRP, I decided to develop a small tool that lets you generate a XRP Payment request QR in a few seconds. The tool supports rate converting (EUR, USD, etc.) and will show you live confirmation of payment ? Select wallet & enter amount QR for your customer Live payment notification https://xrpayments.co ? - Source: https://github.com/WietseWind/xrpayments.co
  6. The leading global fleet payments provider, Fleetcor Technologies announced on Thursday that it has launched a pilot program with Ripple and Cambridge Global Payments. The New York-based Cambridge Global Payments is an international B2B payment provider that was acquired by Fleetcor last year. Cambridge is already a Ripple client that largely uses Ripple’s xCurrent payment solution. https://viraldocks.com/ripple-fleetcor-cross-border-payments/
  7. https://zapster.io
  8. This is an excellent read. I'm not sure how I've got access to it... But it seems that some of these topics are pretty cutting edge. https://www.verdict.co.uk/electronic-payments-international/wp-content/uploads/sites/4/2017/12/EPIjan2018_zmag.pdf
  9. Interesting https://www.newsient.com/axis-bank-launches-ripple-powered-instant-payment-service-retail-corporate-customers/114841
  10. http://www.afr.com/business/banking-and-finance/financial-services/banks-move-closer-to-instant-mobile-payments-20171030-gzb1fy Interesting news out of Australia regarding instant mobile payments. With Australia's New Payment Platform (swift) set to go live early next year. The timing of the announcement and launch date makes for very interesting times.
  11. Hi guys, this is my first post. I'm an simple private investor in xrp. I'm also a good estimator of ripple. I've a question. My dear friend have a big international companies in USA , focused on import export around the world. He is usually forced to buy and hold dollars, euros and yen reserves to buy raw materials and receive payments from their customers (Business to Business). this is for the purpose of not being exposed to currency volatility. Now my question is, Is now available a solution for this kind of business? how could ripple can help and make your business more efficient? And why ripple could is the better solution? Thanks , and sorry for my bad English
  12. https://www.bloomberg.com/news/articles/2017-10-04/singapore-thailand-discuss-e-payment-alliance-for-digital-push?cmpid=socialflow-twitter-business&utm_content=business&utm_campaign=socialflow-organic&utm_source=twitter&utm_medium=social What do you think?
  13. https://bravenewcoin.com/news/w3c-makes-progress-on-web-payment-standards/
  14. 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.
  15. I talk about Ripple's Chinese expansion in my latest blog entry. I discovered just how big the Chinese banking market is.Spoiler alert - biggest in the world by FAR. I hope you enjoy. Please leave any feedback below, and feel free to share on any other media! Here are the links to my blog announcement(s) on other media: Reddit Twitter Bitcointalk - alt coin sub forum Bitcointalk - XRP Speculation Thread
  16. I'd like to start a friendly and honest conversation about Zelle and what the implications behind this are for the "promise of distributed ledger (IE, blockchain)". -This will probably require the insight of some people who work in banking that can maybe explain the key components here and what the implications are. -I know Zelle isn't used for overseas payments. I know it's not competing with XRP. -What I want to talk about is what the massive banks seem to be doing to address what customers want. Instant settlement, mobile application, P2P digital transactions, security, etc... (Those of us who are aware of history understand that the status quo only has to improve to "good enough" when competing with new technology) There are massive banks here in the US behind Zelle. What that says to me is that the banks are interested in working only with each other and they're concerned about competition from the likes of Venmo, Applepay, Paypal, etc...It also shows that they're willing to do something it. I believe this has direct implications to the potential future of companies like Ripple and therefore assets like XRP. (Yes, I know, Zelle isn't for cross border settlements. I know about nostro accounts. I'm aware of Forex.) What I'm trying to bring to the discussion is whether or not it is technologically possible for these banks to simply drive over and crush the blockchain world and provide a product that looks and acts like a duck (to quote Brad...) Is it possible that this indicates that there will be little to no room in the banks mind for a third party company to provide distributed ledger technology and quick settlement between banks? They are banks after all and have nearly limitless resources to come up with their own solutions to give just good enough service that the general public will swallow their pill without question. Banks aren't sitting around like idiots waiting for some company to make them obsolete...they're going to compete. Please, feel free to add insight and experience into the equation.
  17. Hodor's Latest Blog Entry This is my latest blog entry. Although the Fed Payments Task Force couldn't mention Ripple by name, just watch their VIDEO and listen to the panelists for yourself. (and then read my blog!) I think you will agree with what I have to say! Let me know if you agree / disagree, and please feel absolutely free to share or link to my blog with anybody over any other media! Reddit Twitter
  18. New Product xVia . Allows corporations and companies to send international payments !! https://ripple.com/solutions/send-payments/
  19. After reading this article, my understanding is that these guys are competitors, targeting small banks. http://tech.economictimes.indiatimes.com/news/startups/singapore-startup-instarem-with-indian-cofounder-raises-13-million/59439850
  20. There's a lot of talk around the Ripplesphere, and particularly on this forum, about Ripple's and XRP's future as a solution for cross-border payments. It's easy to say "well, cross-border payments take 4 days and cost a ton; Ripple can do it in seconds." To which many reply "but I can send money to a friend in the (the UK, EU, US, you choose) in seconds on PayPal." Explaining things after that can get a little sticky, particularly because people don't actually understand how money flows in the modern banking system. Maybe to the end-user of PayPal, it's academic; they won't be convinced by anything but the reduced transaction fee at the end of the day. But try to understand the value proposition from a bank's perspective. This article from 2013 is a nice, clear primer on what actually happens when you send money. The writer had Bitcoin in mind when it was written, but it's very clear from the perspective of 2017 that XRP and Ripple have a superior solution. Anyways, enjoy. https://gendal.me/2013/11/24/a-simple-explanation-of-how-money-moves-around-the-banking-system/
  21. If Ripple would replace SWIFT and be the new standard for payments and the native currency XRP also is used, what XRP price could we then expect? Could someone help me do a simple calculation if the same amounts of money that is moved internationally right now were to be replaced with Ripple? Lets say also paypal and all its competitors were to use Ripple (they had to or they would lose all customers to "Ripplepay" that is a new service with low fees for international transfer. That is: Ripple becomes number one in international payments
  22. Hi All, I sent an international payment (within SEPA area, but in USDs) to my gatehub account on the 6th (so 6 working days ago) and it's not shown up. I understood that payments in SEPA take 1-3 working days, and have contacted Gatehub Support with no specific response yet...just the standard info on payments copied into an email. I followed up twice with specifics on the transaction also. Does anyone have experience of sending USDs in SEPA or know how to get a personal response from Gatehub? (guessing there are pretty busy at this point..)
  23. My latest blog entry: https://xrphodor.wordpress.com/2017/06/19/xrp-ripple-and-the-difference-between-privacy-and-anonymity/ This dovetails with the debate that I had yesterday about the same topic, moderated by Mercury on the Discord application. He will be publishing the debate verbatim under separate cover later. The most interesting note is that after thinking about the outcome of the debate, I shifted my position more towards my opponent than the stance that I took in the debate. My blog entry reflects my true opinion on the topic, while the debate reflects the role I played by only arguing the "pro" side of the coin! I hope you like the blog entry. tl:dr version: I believe Ripple should offer privacy to its conservative banking customers, but I don't think there is a need for XRP payments to be completely anonymous, and I don't think Ripple needs to get mixed up in what I believe will amount to a regulatory crackdown on these "anonymous coin" protocols. Instead, they need to maintain course in full cooperation with regulatory and governmental authorities, not try to circumvent them.
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