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We can no longer consider XRP a contrarian choice for investment. In today's blog, I explain how XRP is now probably considered a fairly mainstream choice for cryptocurrencies, and how different world organizations have recognized the trends in DLT that make investment in - and usage of - digital assets more mainstream. I also cover the latest news affecting the XRP ecosystem. This includes an analysis of crypto-assets by the G20's Financial Stability Board and a resolution adopted by the European Parliament. SIBOS, SWIFT's annual conference is coming up on October 22nd, and I describe what to expect for Ripple. News about Ripple also involved a video of Ethan Beard describing how Xpring promises to invest in new use cases for XRP. The news from the XRP Community includes an exciting analysis of social media and Internet search trends, as well as a tweet from WietseWind to Elon Musk. All that and more! I hope you enjoy the read & please leave any feedback below. Also - feel free to share my blog as you see fit - and thank you for doing so! Twitter Reddit r/Ripple Reddit r/CryptoCurrency Reddit r/CryptoMarkets Reddit r/xrp Reddit r/RippleTalk Reddit r/alternativecoin Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread

I have been bagging XRP since last year, and like all of you I hope XRP goes moon and even to Mars. But there's a fundamental question I don't quite understand. As most of you believe that Swift partnership would make XRP goes moon. but even if Swift partnered with Ripple and most banks are using XRP, the banks would only buy and then exchange the XRP back to fiat within a few seconds when the transaction is done. So how would that push up the price of XRP? Since the XRP would be bought at a slightly higher price and sold for a slightly lower price so wouldn't that make the price level even?

Let's play a game shall we... Say you are me and I am you and we do all the things we do... Then, in as little as or less than 115 days you, me, anyone with a good amount of XRP could be seeing prices that are against all the FUD today. You may experience wealth very fast, and perhaps overnight. Could you handle that? Are you ready for that? It's more difficult that you may think. Nobody knows and these realistic view points may be accurate but, I have witnessed what seems as reality become a fallacy... Overnight. One does not assume anyone would perpetuate nefarious tactics and propaganda that could in fact be being shoved in our faces and some, well... Don't know better. Ignorance, is a side effect of controlled opposition. Cognitive dissonance is a by-product It's like wondering why most fast food conglomerates use "red & blue" as their logo colors or why almost every celebrity covers an eye for a photoshoot. Excite and depress. Ever feel calm when the police light 'em up behind you? Excite and depress...over and over Those of us that are viewing things without blinders and at a very wide perspective come off as misunderstood or even crack pots. Lunatics. Imagine how I feel about the masses. ....wear my glasses We know money is going digital. We know everyone will accept it. We will prove that with our wallets. Donald Trump has already said that the playing field will be leveled. February 2017 Every transaction will be tracked and the world wide web will become monetized. (World Wide Web, "W", "W", "W",... The sixth letter of the Hebrew alphabet is "Vav" which represents the letter "w" in the American English alphabet... I've said enough). What does a web do to other insects... Why is Facebook so popular when it is so pointless... People spend whole days on Facebook... As if they are caught in a "web"... And it doesn't have to be one website, it could be many... We know XRP is capable of capturing all transactions and it is only beginning. Call me a sell out, or whatever you will but, I have screamed and fought everyone to put the glasses on. I know what I shouldn't know and it has set me free. Now I am sharing it Because sharing is caring... XRP = HODL

I don’t believe @Ripple biggest announcement of the year was ever coming from Swell. The biggest announcement will come at Sibos later this month. If there was ever going to be a way #swift were to save its skin it would be plugging Xrapid in for its settlements

https://www.rns-pdf.londonstockexchange.com/rns/9308A_1-2018-9-17.pdf The only mention of Ripple is in the source comments on page 9, but a worthwhile read nonetheless. It amazes me that for a paper published THIS MONTH (September 2018), there are no further mentions of Ripple and/or XRP, particularly on page 15. Given this paper is posted via the London Stock Exchange, it will likely have a wide audience. Any thoughts welcome.

Hi Guys. Not sure if it has been posted already, but i thought to share it with you because if true its gonna be huge. Even though in the past Ripple has denied dealing with SWIFT but i guess there are no permanent friends or foes in business. "XRP – Is Ripple working with SWIFT? Recently, SWIFT released a report titled, Africa payments: Insights into African transaction flows. In this report, SWIFT touches on something to do with Mojaloop. The report states that the SWIFT team at the Bill & Melinda Gates foundation played a role in developing a switch that verifies, routes, and handles settlements between diverse players including mobile money providers, banks, and merchants. The interesting facet of it is that Mojaloop is also working with ripple, in a bid to enhance interoperability in the African market. In essence, the two technologies are working together in this project that will uplift millions of Africans out of poverty. While this is just a single project, it brings out the common goals of the two platforms and how they can benefit more from each other, when working together, instead of competing with each other. Most XRP (XRP) investors believe that ripple will at one point outcompete SWIFT in the banking industry. However, the reality is that they need each other. SWIFT has something that ripple needs, and that’s the network and political leverage. Thanks to its market presence that spans decades, SWIFT has established strong ties with the finance industry. The banking sector has built most of its cross-border payments infrastructure around this platform. On top of that, SWIFT has a high level of political backing, for geopolitical reasons. For context, a German minister recently called out for the need for Europe to develop financial systems that are independent of the United States. But, while their chancellor came out in support of this, she added that they still need to work with SWIFT as a tool for preventing terrorism financing. This goes to show that for geopolitical reasons, it will be a huge challenge for banks, especially in the west to abandon SWIFT and move to a new system. The best bet would be cooperation between the two platforms, which is actually quite workable. Ripple has the superior technology, while SWIFT has the networks. Such a partnership would unlock the best of both. And if the success of the Mojaloop project is anything to go by, then things could head in that direction in the future. Such a collaboration would give instant mass adoption of XRP in the banking sector as a tool for enhancing efficiency. It would unlock the true value of this coin, as demand both from financial institutions and retail buyers looking to catch the XRP train would push price through the roof."

[...] Apart from the ATM withdrawals, the hackers transferred 139 million rupees to a Hong Kong-based company’s account by issuing three unauthorised transactions over the SWIFT global payments network, the bank said in a police complaint, a copy of which was seen by Reuters. SWIFT, whose messaging system is used to transfer trillions of dollars a day, said it did not comment on individual cases.[...] https://thehimalayantimes.com/science-technology/indias-cosmos-bank-loses-13-5-mln-in-cyber-attack/

“Send the fax, Able.” Mr. Swift shut the door of his office and headed for the elevator. “It’s out of our hands now.” “More like ‘out of hand’,” thought Able. Things were out of hand. Mr. Swift remembered those days in the Seventies when he started working at this large company. The company was heralded as groundbreaking. And at the time it was groundbreaking. Over the years the company’s hegemony over international payments grew and Mr. Swift even became privy to the little-understood and even less-revealed role his company played in the back rooms of the global financial stage. These days Mr. Swift was spending more and more time fixing errors, patching software, and scrambling to prevent the theft of billions of dollars by ever more sophisticated hackers. He wore his stress like a badge of honor. That’s to say he attributed these attacks to his company’s standing as financial powerhouse handling millions of transactions not, as it were, to the fact that his company was a technological sloth, a jumble of intermediaries and an accordingly easy target. Anyway, it was time for a drink. “Do you think they will get it in time?” said Able. “Get what?” asked Mr. Swift. “The fax.” “Oh the fax is there already. The question is will they find it, read it, and take the myriad steps necessary to stop the million dollars from slipping through the cracks to the hackers.” Mr. Swift explained. “Its more like a sieve than a crack” commented Able. Mr. Swift thought Able was exaggerating even though six percent of all transactions performed by his company failed in some way or another. Although he himself was a bit of a dinosaur when it came to technology, Mr. Swift had heard something about six degrees of separation in today’s interconnected world and figured that his company was meeting the global standard by separating six percent of its clients from their money. Another badge of honor to him. Likewise, it was this sort of thinking that gave him pride in “modernizing” the company’s fraud alert system to incorporate the fax machine—he won employee of the year for that. Besides, one million dollars was just a drop in the trillions dollar bucket the company handled. “Don’t worry they won’t miss it…they have no choice,” he said to Able. “That’s the privilege of being the only game in town. We can never lose a customer.” As they entered the pub Able thought to himself, “I can’t believe how much money the company misplaces in cyberspace.” And then thought further, “This company still uses telephony…that means it uses telephony space.” He finally concluded, “The world uses cyberspace and we use phony space.” Able was a bright and curious MBA so landing a job at such a smug behemoth didn’t stop him from learning and investigating the competition. He started investigating Bitcoin and Ethereum when the media started widespread coverage—late actually--but his penchant for depth helped him discover other companies and assets such as XRP which he thought could be a potential threat to complacent yet powerful institutions like the one he worked for. He had become a true crypto enthusiast—and one that could separate the wheat from the chaff. A coin that could transfer and settle in seconds was a breakthrough, sure, yet he couldn’t help but imagine what the real impact would be. He envisioned the liberation of dormant settlement funds, efficiencies for remitters and the unbanked, bridge currency utilization, and even applications in the stock, futures, and derivatives markets. The pair sat at the bar and listened to a recent release on the jukebox. Mr. Swift didn’t consider at all the contrast between that tiny jukebox and the aging technology invented by his company. How does something so trivial as pop music get piped everywhere via the internet while trillions of dollars of critical and urgent international payments still languish for days in cyberspace waiting to be delivered, clear, and settle? “Ripple” said Able, interrupting Mr. Swift’s thought. “What?” asked a startled Mr. Swift. “Gin ripple. I was talking to the bartender. What are you having?” “Golden Cadillac,” answered Mr. Swift. “Coming right up” said the barkeep. As he mixed the drinks he couldn’t help but notice how different these two regular customers were. He knew they worked together, probably in the same office, but everything about them was different. Able listened to the latest music on the jukebox using an account on his phone to select the songs. He had tried to pay his tab with bitcoin once. Mr. Swift, on the other hand, was stuck in his ways. He stopped experiencing new music in the eighties, paid for drinks with a check and even drank Golden Cadillacs—a drink popular forty years ago. Hell, Mr. Swift’s pants even had pleats. The barkeep knew that the gin ripple was the hottest cocktail on the mixology scene right now. He even believed the Ripple could become a new classic. Able was planning on waiting until Mr. Swift at least had a few drops of alcohol in him before breaking the news, but for whatever reason he blurted it out: “I’ve found a job with a startup.” “What’s that now?” “I want you to know that I am very grateful for what I have learned in my year at the company, but I’m going in to the tech space.” Mr. Swift chuckled. “You’re a fool, son, tech is a crapshoot.” But suddenly Mr. Swift’s voice raised considerably. “For every ponyhorn that makes it there are a million others who fail. And even the ponyhorns don’t do anything meaningful. You’ve got a sure thing here and you are doing something that brings utility and value to banks and everyday people.” “Unicorns. They’re called unicorns” “Unicorns, whatever. I don’t care. If there is one truth in the world it is that institutions like ours stand forever…you are taking a stupid risk.” Able knew Mr. Swift would be upset. But something about his reaction was strange to the kid. It seemed as if Mr. Swift was worked up due to his pride and arrogance. He was simply offended. A savvier person would feel threatened by tech. Mr. Swift certainly wasn’t feeling threatened. He was too clueless to think that his company and it’s so called “technology” would ever be replaced. He was even less likely to understand or even care about what was going on in the fintech space. In a way, Able felt sorry for the man. Able learned basic lessons in business school about what a strong position Mr. Swift’s company was in and how easy it would be to keep its monopoly if it just adapted. But Able knew there was no hope trying to change the complacent culture therein so he had decided to move on. “I hand-picked you among the best and brightest and you’ll have the opportunity to reign over the company one day. Tech space? Humph! Get that crazy idea out of your head. Besides, what the hell does tech have to do with what you’ve learned here? You damn millennials think that every stupid smart phone thing is going to be the next mainframe. Haven’t you seen that technology is just a trendy time waster? Look what our company has accomplished over forty years. We’ve never been distracted with tech developments yet we have a global monopoly.” “Definitely clueless”, Able thought. Mr. Swift calmed down after downing a few of his passé cocktails. Able managed to share enough of his plans to satisfy his boss without explicitly mentioning that he was going to work for a potential competitor. They discussed an exit timeline and recounted a few memorable work experiences mostly dealing with crisis management. All in all, it turned out to be a pleasant evening although much of that was due to Able keeping Mr. Swift in the dark about specifics. But Mr. Swift functioned best in the dark about many things and that’s just how it was. “I’ll pay for the drinks” said Mr. Swift. “Save your money. You never know with those Silicon Valley startups.” He reached for his checkbook. “Sorry, Mr. Swift, but the owner says we are no longer taking checks.” “But I’ve always paid with checks.” “I know, but apparently you are the only one that does, and it costs my boss extra time to handle them.” “I’ve been coming here for forty years. Why now?” “I’m not sure. But I guess those days are over, Mr. Swift. I guess your time has come.”

I am Delectro. XRP's price will increase dramatically, overnight Beyond Bitcoin's dream's Decoupled Moon first Then, Standardized $10,000+ could be off by a zero or few Your proof, your source, Me, Delectro, Delectro's wisdom... HODL!!!!!!!!!!!!

XRP and Ripple are leading the pack in the third week of April. What's going on with Ripple and XRP? New exchange(s), increasing volume, a market rally, and a $25 million dollar investment. Ripple joins Hyperledger, and keynotes at several conferences: The company also hired a Head of Community! @peebo38 Rounding it out, the community gets a new tip bot, but this time on Telegram, and a new coin promotion just started at XRPChat. I cover all of this in today's blog. Hope you enjoy & please leave any feedback below. Feel free to share my blog with a friend or family member, or on any other platform - and thank you for doing so! Twitter Reddit r/Ripple Reddit r/CryptoCurrency Reddit r/CryptoMarkets Reddit r/xrp Reddit r/RippleTalk Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread

In this latest blog, the topics include Ripple's xRapid marketing strategy, a panel where Marjan Delatinne is scheduled to discuss PSD2, and SWIFT's embarrassing announcement about its failed POC with blockchain. Also, there's good news on the exchange front, as Huobi looks to set foot on U.S. soil. Rounding things out is an incredible announcement of a community-created application to text XRP peer-to-peer, along with shocking information about Cobalt - the name given to the planned upgrades to the XRP Ledger. Hope you enjoy the coverage - please leave any feedback below: Feel free to share my blog with a friend or any group or on any platform - and thank you for doing so! Twitter Reddit r/Ripple Reddit r/CryptoCurrency Reddit r/CryptoMarkets Reddit r/xrp Reddit r/RippleTalk Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread

Hey everyone, I’m putting together a list of facts about why/how Ripple could take over global payments market for my conclusion in my essay. I want it to be as unbiased as possible and state the facts, and most of my sources have come from threads here and the official Ripple website, but some informative posts here are hard to put in layman's terms. Here’s a list of things I’m currently considering writing about, If anyone has any critique on my bullet points, or can add something I’m missing It would be much appreciated * Ripple confirmed to be able to handle 1500 tps, VISA usually handles about 2000-4000 tps * Ripple has been accumulating over a hundred bank/financial institution partnerships * Ripple is speedy and can clear transactions in 4 seconds. (Compare with average transaction time from McKinsey 3-5 days and how SWIFT Is now waking up to the competition) * Ripple uses consensus algorithm to confirm transactions, Works a lot better as a financial instrument(?) than Bitcoin * Incentives for banks to use since it will reduce cost (Swift GPI vs. Ripple price?) * xRapid can liquify trillions lying dormant if it becomes mainstream * Ripple doesn't need XRP to succeed, but since it works seamlessly with other RippleNet solutions, the incentives to start using it are there Thanks a lot for reading and I hope you have a great weekend TLDR; Writing about Ripple, please critique bullet points

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!

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One of the key advantages of international banks adopting Ripple is that it will free up trillions of dollars that are tied up around the world in vostro/nostro accounts. "...The FSB, together with the Basel Committee on Banking Supervision — which finally agreed an important reform package late last year — has implemented rules to try to prevent “too big to fail” banks needing bailouts, such as those they received during the crisis. Those rules INCLUDE DOUBLING THE AMOUNT OF CAPITAL banks have to HOLD" https://www.google.com.ni/amp/s/amp.ft.com/content/8d709166-2a91-11e8-9b4b-bc4b9f08f381 Just another reason to switch from SWIFT ! ////////////////////////// The group that makes global financial rules will pause from making new regulations and instead evaluate whether its post-crisis reforms are having any unintended consequences. The “pivot” by the Financial Stability Board comes a decade after it grew in prominence as politicians around the world tried to firefight bank failures. Today, countries, particularly the US, are rolling back some of the reforms made in the wake of the financial crisis and instead focusing on job creation. The explicit pause in rulemaking by the FSB, which makes recommendations to the G20 countries, also comes as threats emerge, including the rapid growth in digital currencies such as bitcoin. But in a letter to G20 finance ministers and central bankers ahead of a summit in Argentina on Monday, Mark Carney, the chair of the FSB and the governor of the Bank of England, said that the group judged that “crypto-assets do not pose risks to global financial stability at this time” because “they are small relative to the financial system”. Mr Carney said earlier this month that crypto-assets and their ecosystems, particularly exchanges, should come into “the regulatory tent”. The FSB said it would keep crypto-assets under close review, however, because if they are taken up more widely, they could pose more risks. “As its work to fix the faultlines that caused the financial crisis draws to a close, the FSB is increasingly pivoting away from design of new policy initiatives towards dynamic implementation and rigorous evaluation of the effects of the agreed G20 reforms,” Mr Carney wrote. “The objective is to assess whether reforms are operating as intended, and to identify and deliver adjustments where appropriate, without compromising on either the original objectives of the reforms or the agreed level of resilience.” The FSB, together with the Basel Committee on Banking Supervision — which finally agreed an important reform package late last year — has implemented rules to try to prevent “too big to fail” banks needing bailouts, such as those they received during the crisis. Those rules include doubling the amount of capital banks have to hold; getting them to write “living wills”; and developing special debt that converts to equity should a bank collapse, forcing creditors and shareholders to be on the hook rather than taxpayers. The board will review the reforms’ effects on the incentives for central clearing of derivatives and on infrastructure finance, and will formulate “a plan to evaluate the effects of the reforms aimed at ending ‘too big to fail’ by 2020”, Mr Carney’s letter said. The FSB is also going to review itself. Its working groups on developing policy have already decreased 25 per cent in the last year. The pivot by the FSB to evaluating the consequences of its reforms comes as Mr Carney is due to step down as FSB chairman at the end of the year. The US Treasury wants to nominateRandal Quarles, the Federal Reserve governor who supervises big banks, as the FSB’s new chairman, the Financial Times reported last week. The administration under President Donald Trump is undertaking an explicit deregulatory agenda. If Mr Quarles’ candidacy to take over as chairman were to gain traction, it would mark a further change of gear from the regime of Mr Carney, who has overseen the body’s efforts to tighten regulation since 2011

It's no longer an exaggeration to claim that Ripple technology is on a global path to replacing the entire worldwide money transfer infrastructure. I discuss why this is, and provide you with some details you may not have previously known about some of the prominent news items hitting the wires this week. Also, learn about the upcoming Money 20/20 conference and how Ripple is planning on sending a large delegation! I hope you enjoy this edition - please leave any comments below. Feel free to share my blog with a friend or on any other platform - and thank you for doing so! Twitter Reddit r/Ripple Reddit r/CryptoCurrency Reddit r/CryptoMarkets Reddit r/xrp Reddit r/RippleTalk Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread

Marjan Delatinne Global Head of Banking at Ripple, Former Business Director at SWIFT And this of course is its early stage, "We sign a Bank or PSP Per Week" https://mobile.twitter.com/BankXRP/status/972575352747888641

It was a surprise to know who is Marjan Delatinne. Since January 2018 Ripple has a new global head of banking. Marjan Delatinne joined the company in 2017 after having spent ten years at SWIFT as business director commercializing different banking solutions including Global Payments Innovation (GPI). Part of the Women in Fintech Power list 2017, Delatinne has shown great ability in developing business strategies for innovative initiatives during her career. Interview with COINTELEGRAPH: My favorite notes: "....I was working for SWIFT in the past, and correspondent banking is a core business of SWIFT. There are a lot of pain points and problems - and I want to change it. It sounds childish, but I want to make our world a better place. "...It takes time to attract new partners, especially big organizations. They have more complex legacy systems and if they invest, they have to be sure that their investment is bringing a return. But we see a significant change in terms of the way the banks are talking to Ripple. The trust that now has been built around Ripple and the fact that a lot of big players are already in our network - for example, Bank of America - make our new partners more confident that Ripple is working." "...Now the Internet of Value is becoming a reality - thanks to Blockchain technology. Traditional banking institutions must try to join or adapt to it, otherwise they can lose the game." After reading recents comments from SWIFT. I translate those comments as Homer Simpsons says: OUCHHHH !! Every second I become a stronger XRP Believer...don't you?

https://www.profitconfidential.com/cryptocurrency/ripple/xrp-price-prediction-swift-tries-combat-growing-xrp-threat/ I enjoyed reading this article and would like to know what 'report' its referring to. What have I missed? They are maintaining the $10 price prediction too. "there was a report that SWIFT, Ripple’s main rival, is talking up its efforts in distributed ledger technology (DLT)." It's nice to see predictions holding firm despite the long slump.

https://www.google.com/amp/s/qz.com/1217017/a-40-year-old-banking-co-op-is-overhauling-payments-without-using-blockchain/amp/

Ripple’s 40-year-old rival is speeding up payments without using blockchain https://www.google.co.in/url?sa=t&source=web&rct=j&url=https://qz.com/1217017/a-40-year-old-banking-co-op-is-overhauling-payments-without-using-blockchain/amp/&ved=0ahUKEwiirYWfw8fZAhVIMI8KHfB4DrEQqUMIKjAB&usg=AOvVaw2pHX5rrmUsTx44O4rcpY7k&ampcf=1

https://ripple.com/insights/demystifying-digital-assets-part-2/ Swift sure gets sh1tted on a lot these days.

See https://www.quora.com/Is-XRP-not-required-for-the-Ripple-Swift-replacement/answer/David-Schwartz-9.

I can think of a few reasons why Swift wouldn't work with Ripple but really they all seem sort of prideful rather than business oriented. Can someone provide solid business protocols and processes on why Swift wouldn't use Ripple / XRP for their services?