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After the most recent hearing of the LBRY v. SEC lawsuit on January 30, the Ripple v. SEC lawsuit news has grown more intriguing. The Judge made it abundantly apparent during the hearing that digital assets traded on secondary markets are not securities. The verdict has caused feelings surrounding the Ripple v. SEC case to intensify in the hope that a similar verdict will be rendered soon. It should be highlighted that Coinbase did not chose to delist XRP on its own; rather, it did so out of concern for the SEC. It's time for the platform to take a position now that Coinbase shareholders and investors are entitled to trade XRP. Additionally, the latest Flare token airdrop is not available to US dealers. Furthermore, now that LBRY and XRP are not considered securities, there is a strong push to relist the XRP token. By the end of 2023, if the series of events occur as predicted. Then the possibility of the Ripple price prediction hitting a new milestone is high. Moreover, the price could form new maximum value and range towards its annual closing target of $1.1043 as per coinpedia. Ripple’s CEO previously indicated the company will migrate to a crypto-friendlier nation should the SEC win.

Hey XRP community, GetBlock updated our Ripple nodes to version 1.9.4 This network is not based on blockchain, but on a custom developed decentralized ledger. The code of Ripple cryptocurrency is written in C++. All 100 billion XRP coins were created at the same time when the project was launched. XRP coins can be stored in PC wallets, mobile and hardware wallets. The advantages of Ripple are high transaction speed and low commissions. The Ripple cryptocurrency network is a distributed system of peer-to-peer XRP nodes. Every few seconds free blockchain nodes poll each other's state, figuring out which of them has the most complete transactions database at the moment and synchronizing their states. Any transaction between free blockchain nodes changes the state of the transactions database. The greater the number of Ripple nodes, the harder it is for an attacker to gain control of the network as a whole. Ripple maintains a list of identified trusted participants who are authorized to validate transactions. This system allows the Ripple network to run faster than most cryptocurrencies, but at the expense of decentralization. GetBlock provides instant access to shared & dedicated XRP nodes which could be integrated into DeFi, NFT marketplace or Play-to-Earn game in a matter of hours. Get API key and start building on Ripple Node with GetBlock > https://getblock.io/nodes/xrp/

Good morning all! Have you recently heard about Ripple? Are you deciding if you should invest some of your hard-earned money in XRP? Or have you been around for many years, holding and enjoying the recent price rises? Whoever you are and where ever you're from, it is important to keep up-to-date and know exactly what you're investing in so you can make sound decisions, and not be swept away in the feverish torrents of hype that do so often engulf the crypto space. So I will be posting a few videos and links here from around this wonderful forum, Youtube, and various other places around the interweb so good folk like to can refresh your knowledge on all things Ripple. At the end, there will be an exam, and if you fail that exam @karlos will ban you from the internet, there may even be a few fun little quiz questions you can ask your soon-to-be-estranged friends around the dinner table at Christmas, or yourself at 4 o'clock in the morning as you sit rocking in front of your screen watching charts. Because who ever said crypto wasn't a healthy social experience!? So without further ado, pull up your socks, pour an alcopop and put down your fidget spinner, because I have just the video for you -- "Ripple Tech Talk: Understanding Consensus (Mar 2015)" by in-house genius @JoelKatz (Length: ~60 mins; Difficulty: 3/5; Importance: High)

**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.

Ripple has solidified its payment solutions by offering a safe platform for cross-border payments by utilizing XRP as a medium. But, the crypto has majorly stayed unaffected by such factors, because the Ripple vs SEC lawsuit had had a greater impact. As a result, since the judgement is anticipated to be issued in the near future, will XRP provide the necessary boost to accelerate the price above $1? Let's try to figure out the answer to the questions above. The trading volume of Ripple has been rather consistent off-late, as per Coinpedia. The lawsuit of the firm with the U.S SEC has been facing constructive enhancements and is likely to find a result in its favor. At the same time, the price of XRP continues to trade beyond the demand space, flashing the possibility of a significant surge. The bulls may try very hard to manage a firm upswing for the whole month aiming to approach $0.6 at the earliest. With a normal trade, the XRP price could hover between $0.7 to $0.95 till the end of the year 2022. Provided, the judgement is formed in favour of the company, then the XRP price is anticipated to Kick-start a significant upswing beyond $1 and may approach $1.2 mark.

Ripple Labs has been able to continue this battle against the SEC, thanks to the significant support of the crypto community. John Deaton, the lawyer representing holders of XRP in a series of threads, shed some information on the SEC's upcoming plan of actions. The lawyer said that the SEC will be running against the crypto industry within the next few years, as they've doubled their staff size. SEC sued Coinbase also, for selling securities and also believed that this could happen again which may cause another 50% crash in the coming days. This will also enable the whales and institutional investors to take an enormous share of the market. News Source - Coinpedia

Hi, can anyone explain why the value of XRP (Ripple "tokens") needs to fluctuate? Why didn't Ripple (the company) just say that their tokens are worth 10 cents each forever. Just like postage stamps have a fixed price (except when prices are increased due to increased delivery costs or inflation). No-one speculates on the value of frequent flyer tokens (sorry "points") or current (non rare) postage stamps, so why are XRP and other crypto's different? Surely they aren't rare already - there are millions of XRP's and thousands of different "coins" apparently and more can be created easily anytime - there is no limit, no rarity. Ripple can just decide to release more XRP if they want to - there's no law to stop them is there? So why are these tokens worth more than postage stamps and frequent flyer points? Or cash (fiat money)? It was a genius idea to call these things "coins" because it makes them feel like money. But they aren't money (or coins), are they? XRP is just a token (actually just numbers) which can act as a short term intermediary in some international currency transactions. It's value is irrelevant for these transactions - yes it needs a value, but it could be 1 cent or 10 cents or any fixed arbitrary amount. I'm puzzled - please help me understand. Why do you think these are worth something as an investment??

Since the bulls are strong bearish pressure from a long time, the bulls are gradually buckle down to in favour of XRP. Taking into account the long-term, weekly chart, the XRP price is repeatedly heading lower to test the crucial trend line for the very first time in the past 4 years. However, in the past, the price tested these levels and surged very high with a rebound to mark highs above $3.5. At present, when the exact price movement is expected to occur, a rebound may increase the price beyond $4 to mark new highs.

Disclaimer: Strictly for fun! Not financial advice! Also, would love anybody to expand on or talk about the flaws in this. Also unsure if this has been talked about already! So someone, 4y ago, asked: “Why does XRP need a value to be used on the RippleNetwork by banks if it will be adopted? Can’t it be used with zero value?” In summary, David Schwartz responded: “No, can’t be used unless it’s value and liquidity is sufficient, and the more value and liquidity the broader range of payments it can be used to settle. The easiest way to see why this is so is to think about bitcoin. Four years ago, you couldn’t buy a house with bitcoin. You can today. But it would be very hard today to settle a $1 billion payment with bitcoin. If bitcoin’s price ever goes to $1,000,000, you could then settle a $1 billion payment with it.” Link: https://www.quora.com/If-a-large-amount-of-banks-were-to-adopt-xrapid-and-started-using-xrp-how-would-that-impact-the-tokens-value In other words - BTC’s price at the time of posting this (probably between $4k-10k) would be adequate for something like a house payment, but move the market way too much with regard to large-volume institutional payments, and hence a settlement for $1Billion using BTC would be much more efficient (or preferred) at $1million a token. Now, for fun, let’s F around and play with this very specific, but very intriguing, example by D.Schwartz, and easily calculate some good ol prices. Problem: If 1 BTC needs to = $1,000,000 to settle a $1,000,000,000 payment & total supply = 21,000,000 then what does 1 XRP need to = to settle the same amount with a total supply = 100,000,000,000 Solution: (21000000*1000000*1000000000)/(1000000000*100000000000) = XRP (equate market caps to solve xrp price) Turns out, 1 XRP = $210, in this scenario. Well, that is with a total supply available on-market or on-demand. Now, what about a much lower available supply, especially the designated supply dedicated to specifically settling high volume payments on RippleNet (ODL)? What about most of XRP is existing/sitting on global institutional balance sheets in the future? What about constant transactions and settlements taking place, rather than a one off? Multi-billions of dollars, frequently? What about XRP settling a whole bunch of other stuff - NFTs, tokenized real-estate, other equities but also stocks and debt securities? Smart-Contract capabilities? On chain and off-chain settlements, ILP? Plain Lockups and staking? I’ve read that something like 5% of the supply is what will eventually be in-use. Might be bs. Anyway, using the same equation and scenario - a sufficient BTC price to settle a $1B payment that won’t move the market too much - and ignoring a whole bunch of other variables and adjustments that should probably be made on both XRP’s and BTC’s sides (lol, this is very much a massive assumption and strictly for fun): Assuming % of XRP supply on-demand = $ 100% = $210 50% = $420 30% = $700 10% = $2100 5% = $4200 1% = $21000 Again, would love for anyone to expand on or find the flaws in this (i know there are many)!

Throughout the years there has been a lot of clashing, muddy and misaligning info about the roles and differences between the likes of OVL (Overledger), ILP (InterLedger), XRPL, SWIFT, but after 6 yrs I think I finally have clarity on the categorising. Please keep in mind, this is my own speculation (also first post here). Not incl. all relevant techs, it goes like this (if I'm wrong, pls do correct me): SWIFT - interbank msging/payments and traditional-settlement Sys. (will) utilise CCIP (via LINK) - to extend clients to dlt/blockchain for msging/payments. OVL - All DLT/Blockchain + Legacy Sys plug-n-play or bridge - data/msging/payments/mDAPPs-building OS. QNT - gas/transaction token for OVL. ILP - IoV or open-source protocol/pipelines for msging of value/payments interoperable with, or between, any ledgers (e.g. leverage external ledgers like the XRPL to instantly settle an on-chain, or on-ledger, or even cross-ledger, payment via XRP). XRPL - neutral/public/open-source consensus settlement & tokenisation layer/DEX. XRP - agnostic and liquid cheap/public/instant/neutral native settlement asset/currency. RippleNet (xCurrent) - Private Interbank & PSP instant msging/payments Sys by Ripple, or RTGS and direct competition to SWIFT. ODL (xRapid) - leverages XRP for instant settlement. Conclusions: Best to my knowledge, OVL seems to be on another planet in terms of possibilities/capabilities in the msging, smart-contracts and dAPPs department. It does seem to me that there is a sort of 'battle of the institutional payment/msging/data systems' that are/will be ongoing between: Systems/hubs built with OVL, SWIFT/LINK, RippleNet. SWIFTs leveraging of Chainlink via the CCIP is a (clinging-on-for-dear-life) direct competition to the likes of RippleNet and any payment systems possible with OVL. Additionally, It also seems to me that the best 'settlement mechanism', that makes the most sense for all these systems/ledgers (private/public) to be using (w/RippleNet already using), which really has no competition, is via XRP - made more accessible to any external/off-chain ledgers or private institutions (incl. those in an OVL and/or SWIFT/LINK Sys/environment), without the need for on-boarding onto RippleNet, and at global 'internet-like' scale, via payment msging through the open ILP. That is, unless you're an entity which is relying on a non-neutral, and probably biased and more illiquid (not to mention probably more expensive) asset or mechanism e.g. a particular CBDC or Gov-backed or dollar-pegged stablecoin (prone to a whole range of issues). Moreover, platforms like XinFin, Corda and Quorum will undoubtably all be involved in smart-contracts and institutional-grade trade-finance (XinFin being a hybrid network and combination of Eth/Quorum and Corda). Question I still have: Whilst there is a horde of evidence that the XRPL/XRP is being leveraged by Institutional OVL and Corda initiatives/arrangements/experiments, is there any clear evidence that SWIFT will possibly leverage the XRPL/XRP and if so will it be via Chainlink through the CCIP or via ILP? Apologies if this is too technical or hard to understand for anybody, contains errors, and for any grammar errors.

According to Coinpedia, Ripple's XRP price is trending in uncharted markets as the global macroeconomic aspects fall into play. On top of all, the XRP global online community fear that the Ripple vs SEC case may go the same route as LBRY Inc's story. Being one of the oldest yet strong digital assets, XRP has several traders worried about its future growth prospects. In addition to this, the rival blockchains of XRP such as Stellar Lumens, which have been making huge gains in international market share via confidence in regulatory approvals.

Day by day the Ripple vs SEC case is becoming more and more interesting, and the agency is seeking to push the case each day. As mentioned in the Coinpedia's Article, the SEC asked the court to extend the deadlines for filing responses to several briefs in order to seal the summary judgement. But, the agency's movement is expected to block its effectiveness because the summary judgement may be declined beyond November 15.

In the ongoing market space, XRP price research uncovers a small negative trend, At present, the price of the crypto asset is $0.4545. In the past 24 hours, XRP prices have fluctuated between $0.45 and $0.47. Acknowledge the complete scenario of the XRP Price at Coinpedia Price Analysis.

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1H XRPUSDT I expect growth to the area of levels 0.4200-0.4250

Yes the title is supposed to be clickbait Interesting topic though, particularly since the crypto community in general seems to be a proponent of maximum individual financial autonomy and prefers less amounts of government intervention/regulation/oversight. There's no doubting the benefits of Ripples Fintech over traditional banking etc.. but are we moving towards even more government and/or corporate oversite and interference of/with our personal/business financial matters.. it's not like there's a version of sticking £10 into your grandsons birthday card on DLT without it being discoverable.. unless you're a bank running on a private ledger that is. Thoughts?

I have come to realise that a lot of us might be underestimating what the impact of XRP, could do on a global scale. We have a lot of people throwing around some numbers of how much XRP could be worth, But personally I am starting to realises a lot of us could be way off. Now I personally don’t believe in the future we will be paying with things via XRP, instead of cold hard cash or eftpos. But I do believe it will be used globally with in the next 10 years, as a bridging solution to quickly move funds around, in all aspects of life. I believe that the average person will be using XRP with out even knowing it. When it comes to value lets look at it from this perspective. Companies: The 6 biggest companies in the world are worth 3+ Trillion dollars let alone all the other size companies in the world. Companies will use XRP as a transaction bridge between customers and their banks, for example when you purchase a pair of jeans via eftpos, it still takes 1-2 days for the business to receive the funds into their account, this can be changed to only 4 seconds. Which would free up so much more money, for small - large businesses. Global Money Supply: Their is around 90 trillion in circulation, moving around from savings accounts, transfers of funds to family and friends e.c.t. If i want to sent $500 to my friend even in the same country, from separate banks you are looking at 3 - 5 business days, and if it is on a week end forget it. Global Debit: This is sitting around 215 Trillion, when payments are made weather it is Govs paying other Govs, or payments made to your credit cards or home loans. The receiving end will want to get their money asap, as well as the sending party as the longer it takes the more interest it occurs. Traditional ways are too slow and cost to much. Global Real Estate: We are currently sitting around $217 trillion, Commercial property, offices, residential, industrial estates e.c.t. Real Estate changes hands daily, from bank to bank, businesses to business, person to person. In reality property never moves but the money does. If you were able to settle quicker the amount you would save on property interest is huge. Derivitatives: Now this is the big one. 1.2 Quadrillion? Deriviatives is a contract between two or more parties that derives its value from the performance on an underlying asset, index, or entity. Example: Future contracts, Forward contracts, Options, Warrants, Swaps. Banks typically use high amounts of leverage to attain these positions. Some derivatives, such as commodity futures, are traded on regulated ex- changes such as the ( CME ) However most are done in outside exchanges between private companies. Everyone talks about SWIFT and the 5 Trillion in daily international transactions, but this is tiny compared to every thing else. My prediction is this 10 - 15 years XRP will be worth $5000 - $10000 http://money.visualcapitalist.com/worlds-money-markets-one-visualization-2017/

***THIS IS ALL SPECULATION*** First of all, if you haven't read my India & Gates Foundation post please do as it will be taking some elements to describe the environment in India. (SUMMARY: A FUTURE PARTNERSHIP ANNOUNCEMENT COULD INVOLVE THE GATES FOUNDATION DISTRIBUTING CELLULAR DEVICES PRE-INSTALLED WITH AN APP CONNECTED TO THE ILP) India As a quick recap, there are two nation wide movements occurring in India. First, the development and deployment of a centralized biometric database called Aadhaar. Aadhar's purpose is to register and create a digital identity of every citizen in India, especially those that are living in both poverty and rural areas. And second, a governmental initiative on the financial inclusion of the very same people into the Indian finical system. How are these both related? These movements are converging with one another in the utilization of cellular devices. The Indian government, thru the UIDAI (Unique Identification Authority of India), issues an Aadhaar number to every resident in India that serves residents with a portable identity which can be authenticated anytime anywhere. The Aadhar number is a unique, 12-digit identification number that aids in creating a digital identity for the registree. Individuals that register to Aadhaar automatically gain the capability to purchase a cellular phone and open a bank account. https://uidai.gov.in/enrolment-update/aadhaar-enrolment/aadhaar-services.html http://www.nytimes.com/2011/09/02/world/asia/02india.html With Aadhaar being utilized and broaden presently, payment systems have begun to be built on top of it. The NPCI (National Payments Corporation of India) have recently launched the UPI (Unified Payment Interface) which allows banks to transfer money directly to one another based on a single identifier, such as the Aadhaar 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 Another Source: http://www.npci.org.in/documents/UPI-Linking-Specs-ver-1.1_draft.pdf So where does Ripple fit in all this? Both Indian banks and the NPCI are in discussions with Ripple to facilitate account-to-account transfers globally, without having to be part of any payment network. http://cio.economictimes.indiatimes.com/news/enterprise-services-and-applications/ripple-in-talks-with-npci-banks-for-a/c-transfers-globally/58393068 https://www.indianweb2.com/2017/07/15/makers-indias-upi-app-bringing-ripple-technology-india/ There also seems to be mutual interest between Ripple and Indian banks as Yes Bank and Axis banks have officially joined the Ripple network. Dilip Rao has also said in multiple occasions that there is increasing interest by other Indian banks. http://timesofindia.indiatimes.com/business/india-business/Overseas-remittances-costs-to-reduce-with-new-system/articleshow/53767362.cms On top of this, there has been talks about a payment system being built on top of Aadhaar by the NPCI........ http://techcircle.vccircle.com/2017/02/20/microsofts-india-cloud-plans-get-booster-shot-as-flipkart-signs-up/ So who is Satya Nadella from the previous quote? Satya Nadella is the current CEO of Microsoft, another interesting connection. For those who don't follow the Microsoft and Ripple connection, please refer to my previous post "Ripple/Gates Foundation/India". On top of that Microsoft Azure BaaS has been running a Ripple validating node for quite sometime now. https://azure.microsoft.com/ru-ru/blog/azure-blockchain-as-a-service-update/ And just this past June a cloud provider had just been selected for a number of Indian banks. https://www.coindesk.com/indian-banks-select-microsoft-exclusive-cloud-blockchain-provider/ It's beginning to sound like another bank consortium that has been well publicized around here...... So Ripple has the interest and cooperation of two key parties in India. The NPCI and Microsoft, both who are developing and working on a payment infrastructure built on top of Aadhaar using Azure. We also know that rippled will have a Windows build available in the future. Is there any other connections to Ripple in India worth mentioning? Financial Software & Systems (FSS) in India has been working and cooperating with Ripple as well. FSS works on payments technology and transaction processing, offering business value in the areas of electronic payments and financial transaction processing solutions & services. http://www.fss.co.in/ How are we are of FSS and Ripple's partnership? Thru Dilip Rao's presentation during a FSS "Simple Payments" conference. And what is the significance of this company? FSS in the past had reached an agreement with 6 banks to provide UPI (NPCI) solutions. http://www.thehindu.com/business/Industry/fss-to-provide-upi-solution-for-6-banks/article8480485.ece While more recently FSS has launched "FSS Aadhaar Pay", a comprehensive biometric enabled merchant payment acceptance system that allows merchants to accept customer payments through their Aadhaar linked bank accounts without the need for a physical payment instrument. "FSS Aadhaar Pay", http://www.fsstech.com/news-events/fss-launches-fss-aadhaar-pay-to-augment-government-of-indias-digital-payment-initiative/ https://www.atmmarketplace.com/news/fss-supports-indias-cashless-payment-initiative-with-card-free-solution/ Which coincides with this development, (roughly same time frame) So three key parties in India with some shape of form of cooperation and interest with Ripple, all working on building a payment system on top of Aadhaar..... Towards the end of Rao's linked presentation in the FSS conference, he mentioned globalizing the Indian stack. He's been a busy man (this is one of two post I'll be sharing this week, I ended up complying too much information for one post) EDIT https://economictimes.indiatimes.com/small-biz/startups/newsbuzz/npci-plans-international-remittance-on-upi-platform/articleshow/63540688.cms EDIT There seems to be an intention to incorporate cryptos within the Indian stack

Max Supply: Cardano (ADA) - 45 Billion Stellar (XLM) - 50 Billion Hedera (HBAR) - 50 Billion XDC - 37.5 Billion XRP - 100 Billion (counting drops = 100 quadrillion) Need to Burn excessive XRP for healthier ecosystem: 1. To become decentralized Asset class (Ripple has 6 billion XRP on hands and 47 billions in escrow) 2. To get gradual price increase (scarcity) 3. To decouple from bitcoin price fluctuation (supply and demand) 4. To get more stable price (better for transactions - less spread/slippage) 5. Banks/Entities will buy XRP from holders, or use private/public liquidity pools, in which holders will participate and be rewarded. 6. XRP settles within 3-5 seconds. XRPL can only handle 1,500 TPS, later with upgrade, maybe up to 70,000 TPS. Meaning you would never need more than 53 billion (counting drops 53 quadrillion) of XRP to utilize transactions, because XRPL cannot handle more than 70,000 TPS. And, let's say, $10 per XRP - it's 530 billion (530 quadrillion)

Hi all, I am a software engineer as well as being a passionate and early adopter of XRP. Please follow this link to a free online XRP Profit Calculator: XRP Profit Calculator I would appreciate feedback, new ideas to implement and suggestions on how to make this worth a while to the XRP community. Thank You All.

This is just a general question that's been on my mind... What are the possible insurance industry applications for the XRP Ledger? Crypto in general? I'm thinking escrow opens up a lot of possibilities, as well as the general immutability aspect of a blockchain. Some of my "brainstorm" ideas for insurance generally: Life Insurance: XRP Ledger Escrow for "Traditional Whole Life Policy" Storage of premium payments on the XRP ledger Health Insurance: Storage of premium payments on the XRP ledger Escrow of Insurance payout until all paperwork approved by Insurer Long-Term Disability: Storage of premium payments on the XRP ledger Escrow of Insurance payout until all paperwork approved by Insurer Auto Insurance: Storage of premium payments on the XRP ledger Escrow of Insurance payout until all paperwork approved by Insurer That's my initial brainstorm list, but I know I'm probably missing something. In addition, does usage of blockchain tech allow for entirely new types of insurance instruments? Is a smart contract system better suited for insurance applications? Anybody know of any Ethereum DApps that target this market? Thanks for any feedback / pointers!

|XRP| Purchased xrp from trust wallet, dsnt show up? It show only at pancake swap.. How to fix this issue?

***this is speculation*** In the wake of AliPay's announcement of launching a cross-border remittance service powered by blockchain technology, a closer inspection of the partnerships reveals several layers of Ripple associates. The cross-border remittance services into the Philippines will be offered by in a collaboration between GCash, AliPay, and Standard Chartered. With further details on Standard Chartered's involvement, https://www.pymnts.com/news/cross-border-commerce/2018/alipay-gcash-blockchain-cross-border-remittance-philippines/ Standard Chartered is currently a RippleNet adopter, primarily using it for cross-border payments between India and Singapore. The bank has also broadcasted it's plans on extending it's utilization of RippleNet to five other countries/pairs this year. https://www.finextra.com/newsarticle/32048/standard-chartered-to-extend-use-of-ripplenet-to-more-countries Standard Chartered acting as the settlement bank by offering it's infrastructure to both AliPay and GCash for remittance services, falls into Winters statement of expanding it's capabilities to other currency pairs with the Philippine Piso (PHP), the Hong Kong Dollar (HKD), and the Chinese Yaun/renminbi (CNY) being the suspects. GCash in itself also has an abundance of service and associate overlaps with Ripple. Currently GCash and it's services such as GCASH REMIT into the Philippines is consisted of SoftBank Payments and Globe Telecom. https://www.gcash.jp/?lg=e SBI Holdings' business relationship with SoftBank has been under speculation since SBI's involvement with Ripple but Globe Telecom can reveal other intentions of GCash. GCash is not the only notable subsidiary of Globe Telecom, Mynt is another subsidiary of Globe Telecom's financial technology arm that includes Ayala Corp and Ant Financial(AliPay/Alibaba). https://www.mynt.xyz/about-us/ The significance of Mynt pertains to an announcement this past March. Globe Telecom with Ayala Corp and Ant Financial thru Mynt, partnered with MoneyGram to provide remittance services into the Philippines to smartphone users for their GCash mobile wallets. http://news.abs-cbn.com/business/tech-biz/03/08/18/globe-fintech-arm-moneygram-launch-smartphone-based-remittance-service MoneyGram is well known in the Ripple community for it's involvement in trialing xRapid for a pilot which utilizes the XRP Ledger (XRP) for cross-border payments. http://ir.moneygram.com/news-releases/news-release-details/ripple-and-moneygram-partner-modernize-payments As of now, we publicly know that Mynt (Globe Telecom, Ayala Corp, and Ant Financial) partnered with MoneyGram to improve remittance services into the Philippines for GCash mobile wallet users. MoneyGram states that it's intention on piloting XRP this past January was because the digital asset offered negligible transaction fees and because the average transaction time involving XRP is 2-3 seconds. Interesting enough, this new remittance service provided by both Alibaba and GCash involves HKD and PHP. And the transaction time publicly shared took only 3 seconds... After Alibaba's failure to acquire MoneyGram this past January (same time as MoneyGram's announcement of it's xRapid pilot), Alibaba was adamant that they would still collaborate with MoneyGram to develop remittance and digital payments to several countries including the Philippines........ https://www.reuters.com/article/us-moneygram-intl-m-a-ant-financial/u-s-blocks-moneygram-sale-to-chinas-ant-financial-on-national-security-concerns-idUSKBN1ER1R7 Very interesting times indeed! Time will only tell EDIT: (more speculation in regards to GCash & Western Union) GXI description, https://businessmirror.com.ph/western-union-expands-digital-distribution-through-gcash-mobile-wallets/

Hello everyone, I am a long time XRP holder and strong believer in the XRP Ledger and the technology. During the past years i got disappointed by the way things developed for XRP. - the lack of adaption, missing out on the bull run as well as the defi/nft hype, and finally the SEC case screwing every XRP holder! All this made me realize that if XRP succeeds, it's probably going to take way longer than we are expecting. After 9 years it's time to stop waiting for another ATH and become active. My vision of a globally used digital world currency is alive, but ripple took the other way for XRP and decided to focus on banks. Some days ago i had the idea of creating (GLC)Globalcoin. A token for everyday people to use all over the world via the XRPL. (GLC)Globalcoin will take a different path though, focusing on mass adoption of the general public. Not only crossborder payments, but usable as a worldwide accepted currency! A short summary of the tokenomics: Supply 100B (same as XRP) 100% of sales will be reused to provide guaranteed DEX liquidity for the start Fair token launch (no presale) Trustline : rUZdBzGARLer2XTTWhKPnCKJyTqfb9bzTk Currency code: GLC The project will be driven by the community or everyone who wants to participate and is interested to do what he knows best. This is just the beginning, meaning there is lots of work to get this rolling. As an alternative approach to all the recent airdrops we will start to give rewards in GLC to people who want to contribute and make this project grow. We wont be able to pay a lot in the beginning so its rather an incentive for those who have time and motivation to become productive. If you have been sitting in front of your computer for the past 4 years staring at the XRP chart and waiting for moon, start accepting GLC and we get this going together! There will soon be lots of different upcoming tasks to do. Feel free to DM if you are interested. Good ideas or constructive feedback are welcome and will also be rewarded if they are implemented. Stay tuned! Announcements and reward challenges will be posted soon here.