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**Disclaimer: This is NOT financial advice! This theorizing is NOT to be taken seriously and is only for fun! DYOR! Fun fact: XRP/XLM have been labelled, by large financial entities, 'Stablecoins'. D. Schwartz has talked about: XRP VS Stablecoins, and why it's a better 'currency', being geo-politically neutral, currency/asset agnostic, public and deflationary VS pegged-inflationary FIAT. FSB (Financial Stability Board): to "Foster the soundness of Global Stablecoin (GSC) Arrangements" and "Regulation, Supervision and Oversight of“Global Stablecoin” Arrangements" Global Stablecoin main features VS stablecoin: Potential to reach/use across multiple jurisdictions. used as a means of "making payments". Increasingly used as a store of value by "the public/households" (possibly meaning an unpegged, deflationary stablecoin.). Potential to achieve substantial volume. is interoperable and interlinking between systems & harmonised by ISO20022. Additionally, the IOSCO (international securities commission) hypothesized on a possible GSC, one which is: "A global currency". Has "financial infrastructure which is used for domestic & cross-border payments". "Uses a reserve fund & intermediaries to seek a stable price vis a vis a basket of low-volatile currencies or commodities". To make this more interesting, it goes on to mention how this GSC: "Could interact with securities regulators, acting as a debt instrument". That it's "decentralised nature could pose challenges with stabilization." And "appropriate regulation, supervision and regulatory oversight to prevent gaps and avoid arbitrage" before such an "arrangement" would go "live". These documents emphasize this is a "joint private and public sector vision". The FSB (Financial Stability Board), orchestrated by the BIS, coordinates this "oversight" and "implementation" w/the CPC, CPMI (BIS)+ relevant SSBs. Fun Fact 2: The FSB has only 3 US members - 1 of whom is G. Gensler... Another is Lael Brainard (current Vice Chair to the Fed, has referred to a new global neutral settlement bridge asset as central to the new financial system). Globally, there are members from entities like: IMF, WB, ECB, EC, Basel, IOSCO, CGFS+ more from Central Banks. My own speculation: What is described as a "global stablecoin' not only sounds like it has potential to be a global reserve currency, but quite literally sounds like: XRP or even XLM. It's almost, objectively, a 1:1 description. It also aligns with points made time-time-again about XRP needing a higher, more stable or set price, and aligns with the many intelligent people in this community who are saying XRP may be backed by commodities to achieve prices (as they say: "via a intermediaries and baskets of low-volatile assets) which help it be more effective without moving the market too much (a volatility issue frequently brought up by D. Schwartz). It aligns with it possibly becoming a store of value, as a higher but less volatile price would probably still increase in value over time. It also just so happens that many of these entities are frequently meeting with Ripple, whether it be face-to-face or at important events. It just so happens that the only country in the world taking issue with XRP is the one whose global reserve currency is threatened by a neutral alternative. Or, they're "addressing regulatory gaps"... My question to people here is: If not XRP/XLM, what ticks all these boxes? Libra? JPMcoin? These won't be held by public households as "a store of value", and trust is a whole other story. ETH? BTC? These aren't efficient or effective institutional payment networks. To me: It sounds like these are XRP, XLM, possibly XDC, maybe even pegged stablecoins like USDC, USDT, or retail CBDCs, but they'll all be bound to the disadvantages of traditional pegged, biased, inflationary fiat. You do the math.. Appreciate any comments.

I think Egypt is a place ripe for Ripple adoption. Of course, I hope this about most places so here is some data that makes it worth keeping an eye on. [1] In the most general of ways, the situation in Egypt might seem familiar to the situation in India: the government has alternately outlawed and permitted crypto. Currently it is not exactly clear where they stand on it, but there has been a recent legal push towards licensing. [https://cointelegraph.com/news/egypt-lays-out-path-for-a-crypto-future-with-draft-law ] [2] The country intends to move towards a cashless society, but they have a very high amount of unbanked people. [ https://www.egypttoday.com/Article/3/68491/Sisi-approves-cashless-methods-of-payment-law ] To this end, the government is working on a unified card for citizens to receive all their government entitlements such as salaries, pensions or subsidies, tied to either a bank or an Egypt Post account. They are also "working aggressively" on encouraging mobile money & mobile wallets use. Government is also working with the CB to offer microfinancing through mobile applications. This effort will provide banking to 20mill + unbanked. [ http://www.theworldfolio.com/files/file/report-5cae38c273220.pdf ] (Left & Right columns) [3] Significantly, these efforts are connected to a three-year programme, FIGI, led by ITU, the World Bank Group and the Committee on Payments and Market Infrastructures (CPMI) of the Bank for International Settlements, with support from the Bill & Melinda Gates Foundation... [https://news.itu.int/how-egypt-builds-trust-digital-financial-services/ ] Likewise, the use of Post Banks for financial inclusion is something the Universal Post Union, with support from the Gates Foundation, has been behind. [http://news.upu.int/no_cache/nd/gates-foundation-helps-upu-support-partnerships/] [4] Recently, the Central Bank of Egypt, in december, said it will issue a digital currency [ http://en.amwalalghad.com/egypts-central-bank-studies-issuing-digital-currency-official/ ] While it is not clear what platform might be used, it is worth noting that the government owned National Bank of Egypt and the largest private bank, the CIB are both members of R3, Voltron. This largest private bank and R3 Partner, CIB, intends to build out a DLT network in 2019. In their EOY 2018 annual Report, they claim to have tested "different use cases for potential development into live projects and built a local blockchain network for banks and different financial services providers" [https://www.cibeg.com/English/InvestorRelations/FinancialInformation/Annual Reports/Annual Report 2018_002.pdf ] [5] Another piece of the puzzle might be that Kuwait's NBK, a Ripple partner, has a significant presence in Egypt and their other neighbors, Saudi Arabia are also involved with Ripple. So too, UAE, and the major bank in Oman. [6] Finally, consider that Egypt's Suez Canal Economic Zone, has deep ties with Russia. Russia is building a huge economic zone in this trade/port center for Russian manufacturing and trade with Africa, Middle East and Europe. Putin claimed $7billion will be invested. At the same time, with so much trade finance at stake, both the EU and Russia are investigating alternatives to SWIFT to avoid US financial control. [https://www.rt.com/business/452047-russia-industrial-zone-egypt ] [https://uk.reuters.com/article/russia-banks-swift/russia-backs-global-use-of-its-alternative-swift-system-idUKL8N2163BU] [https://english.mubasher.info/news/3333401/EU-starts-SWIFT-alternative-money-transfer-system] [7] In 2018, Egypt received the 5th largest amount of remittances. The first list: India China Mexico Philippines Egypt That list should look very familiar to Ripple fans... [https://migrationdataportal.org/themes/remittances ] /end

https://bcbgroup.io/blinc/

I mean does this totally describe the need for XRP without saying it? https://fasterpaymentscouncil.org/userfiles/2080/files/Faster Payments Interoperability WP_June 2020.pdf

Just saw this now, not sure if anyone else posted this already. https://www.finextra.com/newsarticle/35463/swift-delays-iso-20022-cross-border-payments-migration

Blog URL: https://coil.com/p/MikeH/-Step-aside-peasant-newest-and-worst-XRP-use-case-/VJudy0gDU In my blog I talk about an idea I had whilst sat in traffic over Christmas. A subsequent bout of hangovers and illness even gave me the time to build it! I`ve seen a lot of bad ideas for XRP use cases, this is definitely one of them. XRP inspired me to take up coding and I now work as a junior software engineer at Jaguar Land Rover (after going through a boot camp). What's your worst XRP use case idea? Feel free to make fun of mine and the chaos it would cause on our roads! At least it could be international in nature.... Any questions then please feel free to ask. Thanks for reading.

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!

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

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

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.

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

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/

https://zapster.io

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

Interesting https://www.newsient.com/axis-bank-launches-ripple-powered-instant-payment-service-retail-corporate-customers/114841

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.

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

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?

https://bravenewcoin.com/news/w3c-makes-progress-on-web-payment-standards/

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.

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

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.

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

New Product xVia . Allows corporations and companies to send international payments !! https://ripple.com/solutions/send-payments/