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  1. Hey Team, been a while since I posted and I just found this so I thought I would post it to see who was interested. The Block is very anti-Ripple and XRP so they will be loving this.... "Visa, Mastercard and PayPal are set to be backers of Facebook's cryptocurrency along with a number of other companies, including Uber. Each will invest approximately $10 million into a foundation that will govern the coin, the Journal said citing anonymous sources. That money will be used to create the backing for the coin, which will be pegged to a basket of fiat currencies." https://www.theblockcrypto.com/tiny/facebook-reportedly-brings-on-visa-mastercard-and-paypal-as-backers-of-its-cryptocurrency/
  2. The Very Beginning Shift/Shift Payments Since 2014, Ripple has been experimenting on multiple projects developing a debit card that would allow owners to easily spend their digital currencies. It first began as a joint effort along side Shift Payments to create the "Shift Card". Which the project was focused on https://ripple.com/insights/a-debit-card-powered-by-ripple/ The prototype card was integrated with both Coinbase and Ripple accounts at one point with the partners wanting to integrate the card with loyalty point programs and regular bank accounts in the future. Ripple was planned to be used for the settlement protocol for payment between fiat currencies, digital currencies, mobile minutes, etc. And in further innovation, https://techcrunch.com/2014/08/12/shift-is-developing-a-debit-card-that-lets-you-spend-digital-currency-loyalty-points-and-regular-money/ It would later be released that Shift Payments, now Shift, was introducing a VISA backed Bitcoin debit card. Suggesting the probability Ripple had been introduced to VISA long ago.... https://techcrunch.com/2015/11/20/coinbase-partners-with-shift-payments-to-issue-bitcoin-debit-card/ Unfortunately nothing came from it and the test wallets they used for the pilots have become dormant for several years. (although the main wallet has 375k XRP just sitting there) https://bithomp.com/explorer/rKbtT6j1JGjFnwkUp2Na1W8XE5Z79VsMYi https://bithomp.com/explorer/rpfFnyaChjzB8RNfT6VDYioFWfjghYXnvb Shift appears to have moved on but a possible explanation as to why nothing arose from it might be how cryptocurrencies were not favorably perceived in 2014. However one of the co-founders of Shift, Meg Nakamura added that https://techcrunch.com/2014/08/12/shift-is-developing-a-debit-card-that-lets-you-spend-digital-currency-loyalty-points-and-regular-money/ Whether they ever use Ripple or not in the future is up for debate but one of Shift's co-founders was Gregg Kidd, the chief risk officer at Ripple during the time. Interesting enough both founded Hard + Yaka, a fund that makes early round investments in exchange space startups. Previous investments? Global ID, Gatehub, Ripple, Coinbase, Shift, Bitso (expect XRPL to run thru it), ShapeShift and to our next topic of conversation.....Marqeta. http://hardyaka.com/ Marqeta Marqeta is an open API payment card issuing platform that has been enabling businesses to process credit and debit card payments. Marqeta has been establishing itself as a big company that has attracted notable clients and investors to utilize it's technology. Facebook and Oink are example of clients while this past July, VISA made a strategic investment in the company and formed a partnership to drive further innovations in commercial and consumer payments globally. https://techcrunch.com/2017/07/26/visa-marqeta-25m/ http://www.businesswire.com/news/home/20170726005359/en/Visa-Marqeta-Form-Global-Partnership-Drive-New https://www.pymnts.com/news/partnerships-acquisitions/2017/visa-and-marqeta-partner-to-transform-global-card-issuance/ https://techcrunch.com/2013/05/16/powering-the-facebook-card-marqeta-raises-14m-from-greylock-israel-to-recreate-the-starbucks-loyalty-card-for-merchants/ Marqeta is compatible with the Discover, MasterCard, and VISA networks. https://www.marqeta.com/api/docs/VhypzxwAANwA_Vgx/cards The CEO of Marqeta, Jason Gardner, has been very vocal and supportive of blockchain technology and it's possible applications. adding, It was also revealed in January 2016 that Marqeta had been working with Ripple on a defunct debit card product that would allow users to spend cryptocurrencies at traditional points of sale. https://www.coindesk.com/marqeta-ceo-bitcoin-blockchain-tech/ With the test wallets to prove this collaboration, https://bithomp.com/explorer/rwEFnxs7GQsHXBG9ARZNYcmBkZc81zphMC https://bithomp.com/explorer/rwYx6Mp1n8yMbGN9K4MkHsSNvibK4MPjQF (being really active last year and even doing fiat exchanges between USD and JPY) Only time will tell where this collaboration will lead to but it's safe to say that Ripple has really positioned itself well in regards to VISA and Mastercard. And one other interesting development has been Marqeta's new partnership with Ali Pay. https://www.finextra.com/pressarticle/71286/alipay-joins-with-marqeta-for-us-payments-play https://paymentweek.com/2017-10-27-alipay-marqeta-team-alipays-payment-processing-ambition/ http://www.businesswire.com/news/home/20171020005664/en/Alipay-Taps-Marqeta-Expedite-Payment-Acceptance-Retail One notable thing did occur (and is accelerating as we speak) this past March, Ripple introduced Payments Channels into the RCL/XRPL and ILP. Thus allowing the XRP Ledger to scale, https://ripple.com/insights/ripple-continues-to-bring-internet-of-value-to-life-new-features-increase-transaction-throughput-to-same-level-as-visa/ https://www.cryptocoinsnews.com/ripple-claims-transaction-thoroughput-now/ The network has now scaled enough to sustain the amount of transactions the VISA network sustains. One last note, https://www.finextra.com/newsarticle/31227/wirex-and-sbi-holdings-team-on-japan-cryptocurrency-payments-card AirWallex Ripple partners with ties to major credit card issuers don't end there. AirWallex is an international payments startup that is based in Australia that in October, it's partnership with Ripple became publicly disclosed. https://ripple.com/ripple_press/ripples-blockchain-network-now-100-strong/ This past May, AirWallex held a Series A Round in which it raised $13 million dollars in funds for the company. These investors included MasterCard, Gobi Ventures/Partners which is one of Alibaba's investment managers, and Tencent leading the investment round. Tencent's WeChat has roughly 980 million monthly users, with users sending about $1.2 trillion in mobile payments in 2016. Along with mobile payments in China, Tencent wants to expand WeChat Pay usage to other regions including South Africa, Philippines, and Malaysia. https://bankinnovation.net/2017/04/alipay-wechat-processed-3-trillion-in-2016/ http://news.abs-cbn.com/business/11/22/17/wechat-pay-launches-in-philippines-with-asia-united-bank http://www.marketing-interactive.com/tencent-confirms-plans-to-launch-wechat-pay-in-malaysia/ http://blog.wechat.com/2015/11/25/south-africa-launches-wechat-wallet-the-first-country-officially-outside-china/ And there is one more region that AirWallex is targeting thru a formation of a partnership this past week, Europe. On December 1, AirWallex announced a partnership with Railsbank to enable AirWallex also became Railsbank's Airwallex’s VP of Europe Expansion, Michael Stachowiak speaking on the partnership shared, https://www.finextra.com/pressarticle/71788/airwallex-joins-railsbank-platform https://www.pymnts.com/news/b2b-payments/2017/airwallex-railsbank-international-payments-partnership/ Along with it's partnership with AirWallex, the previous day Railsbank was one of eleven companies to be chosen by MasterCard to be included in it's Start Path program. With Railsbank being chosen for it's ability to give companies access to global banking networks thru APIs. https://www.finextra.com/pressarticle/71779/latest-mastercard-start-path-program-includes-blockchain-digital-identity-and-healthcare-fintechs Want to know what happened on November 30? (same day of Railsbank and MasterCard's annoucement) The European Central Bank hosted a digital transformation conference that Ripple was invited to. https://www.ecb.europa.eu/pub/conferences/shared/pdf/20171130_digital_transformation_conf/Conference_brochure_20171130.pdf A panel which consisted of Banca Sella, the Central Bank of Netherlands, PayPal, and Ripple was held to speak on the disruptive potential of fintech innovations for the retail payments ecosystem. Want to know what happened on December 1? (same day as AirWallex and Railsbank's partnership) Brad gave us a nice tweet The VISA and MasterCard connections are there and more subtle Alibaba and Tencent connections to Ripple are surfacing. There's a lot of money between Europe and China in e-retail............. EDIT https://mobile.twitter.com/bgarlinghouse/status/961250935115743232 EDIT 2 https://www.pymnts.com/digital-payments/2018/mastercard-uae-exchange-prepaid-cards-digital-payments/amp/?p=474082&__twitter_impression=true
  3. Visa says service returning to normal http://www.bbc.co.uk/news/business-44335804 visa fails
  4. 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
  5. This was delightful breakfast Source: https://oracletimes.com/xrp-ripple-surpasses-visa-transaction-speed/
  6. I have got a brain wave. What if Ripple can replace VISA/MasterCard/Amex as the next payment gateway. And the 100+ partner banks can issue cards powered by the ripple net using the Xrapid to facilitate payments for point of sale. Online payments in the future. Banks and FI’s will only need to provide new debit cards and credit cards powered by Ripple and settle payments instantly on the ripple net which is not limited with borders or currency conversion limitations. With the added advantage of instant settlement. Is it possible ripple can eat into the existing infrastructure of visa/MasterCard. Also is it possible ripple might become the new gold standard. Technically this is all possible provided the banks can have enough faith on the ripple net when compared to the visa/MasterCard channels. What are your thoughts. And is ripple looking into doing this in the near future. Also payments thru ripple can also use Codius to convert transaction into smart installments considering approved limits on individual credit scores.
  7. As Bitcoin soars, so do the complaints by Coinbase users. The day started off with news circulating social media platforms that Coinbase overcharged some of the cryptocurrency buyers up to 50 times the original price. https://viraldocks.com/visa-blame-cryptocurrency-overcharge-coinbase/
  8. Not exactly an overwhelming amount of detail in the article (link below), but couldn’t help but wonder the implications as it pertains to Ripple and XRP. This has nothing to do with the use case of XRP to settle cross-border transactions, but what about functionality with ILP? Additional thoughts? I’m still processing as this news broke an hour ago and I just found out 3 minutes ago. http://news.abs-cbn.com/business/01/22/18/visa-unionbank-launch-blockchain-payment-system
  9. A new report here in the Philippines surfaced earlier today regarding Visa's plan on utilizing Blockchain through our Unionbank branch: http://news.abs-cbn.com/business/01/22/18/visa-unionbank-launch-blockchain-payment-system Questions are up if xrp will be utilized here on the backend to facilitate blockchain transactions. Interledger perhaps? (If visa will utilize their own crypto, probably not.) Also coincides with Visa looking for "blockchain experts on Etherium and Ripple": https://usa.visa.com/careers/job-details.jobid.743999664785893.deptid.934140.html Also, Visa's press release of: "Visa B2B Connect, fund transfers can be completed in real time" Transaction fees will also “decrease significantly” It fits xrp utilization perfectly. Also: "Visa will offer the payment platform using 23 fiat currencies and 4 partner banks including Commerce Bank in the US, Shinhan Bank in South Korea, Sberbank in Russia and United Overseas Bank in Singapore." Any ideas @Tehol_Beddict, anyone?
  10. Hello Everyone, This article has to be the most interesting (Speculative) Ripple (XRP) articles I have read. I had to join XRP chat and share it. https://keepingstock.net/opinion-ripples-price-with-visa-or-mastercard-integration-6e723f7936d5
  11. Hi Guys sbi just announced that they starting a new credit card project with ripple. Sounds cool. But actually I don't understand how this works. Some guy here said that it is going to be visa card. So now I am asking my self - if its a visa card so what? whats ripples part of that? What does ripple provides to that? Its not a card which is to be used to pay with XRP or???
  12. I feel that news is coming from stellar regarding a new major partnership is becoming imminent. I am tempted to put a majority of my investment in xlm for the short term. The new validators, past IBM partnerships with visa, and such a cheap price, I am very hopeful for the coming months. Thoughts?
  13. Hello All, This is my first post here. Thank you all for contributing to a fantastic forum filled with invaluable information, insights and thoughtfulness. Short background: my life mainly consists of reading and for the past six months the main part of that reading material has consisted of blockchain technology, cryptocurrencies and macro-finance. I’ve drawn many conclusions, one of them is that Ripple is in a unique position with an opportunity to change the world, another is that I will definitely work for Ripple. I’ve already sent in my application for the post of Content Marketer, enclosing the below article where I’ve attempted to reduce a hard to grasp and complex issue to more digestible information without losing any of the key points. In- depth version : http://papers.netrogenic.com/sid/eco-friendly-money.pdf Lightweight version : www.linkedin.com/pulse/how-eco-friendly-our-money-alternative-sid-john-leopold Hope you enjoy reading it as much I’ve enjoyed all shared wisdom in this forum. Please get in touch here or on my LinkedIn with any feedback as I am always keen to improve and I respond well to positive criticism. Kind regards, Sid John Leopold
  14. Browsing through the agenda of the comming days, all big payment players seem to be there (Apple, Alipay, Visa, Mastercard, Paypal, etc.) as also several supportive partners that passed on this forum before. I saw an interpretation on twitter connecting Stellar to Paypal because of this agenda, but that seems a too easy / pump conclusion as they are (actualy 2x) indeed together in a timeslot, but together with other participants in a paneldiscussion and presentation queue. But still, I can imagine that statements might influence the markets. Any thoughts? I don't see Rippe there.. but as too much expectations did not work out the last time, maybe this time the exact opposite ?? https://files.money2020.com/public/jAVEIl5/xOZcTGNvex.pdf?_ga=2.13394359.1460367270.1508609453-904291530.1498331769
  15. Hi What is the best crypto (visa) debit card out there in terms of best value for money with fees, etc, ? I am looking at the Bitstamp debit card and it does look pricey wit their fees. I want to exchange my ripple for USD fiat. Deciding on whether to get a debit card or just use international transfer. Support from Bitstamp, Kraken, Gatehub are all poor and your lucky to hear back anytime soon. So I cannot wait all week or weeks for answers. How long does a international transfer usually take? Can't find this info on Bitstamp or Kraken. And if I got their debit card, I assume I would be able to transfer USD from their card to my existing bank card or bank account. After all, this is the reason why I would get their card in the first place. Thanks
  16. Wasn't Bank of America working together with ripple? .... http://www.trustnodes.com/2017/07/29/bank-america-visa-looking-ethereum-developers-build-new-payment-systems
  17. Its getting hot in here. A you can see with RCL's name change to XRP Ledger, We are entering the final phase. Think hard people, all we are waiting for is a fi, bank, or enterprise PARTNER OR CUSTOMER in a certain area to commence a trial of XRP transfer. Once they source it (purchase XRP), supply and demand, as well as sentiment will spike the price. Rinse, repeat with another partner, price spikes again. keep doing this until price is at very high levels to be able to accommodate huge transfers. As an example, India receives 69Bn a year in remittances from its workers living abroad (retail). At current prices It would take all of the crypto to accommodate these transfers. But one day when the price of one XRP is $____, XRP will be able to handle it. This is 1 country...Has your head exploded yet? Remwmber, our purchases are tiny in comparison to what the banks, etc, will be sourcing. Remember again, our crypro has a specific use case. it was always meant for them. We just get to tag along on the ride of our lives. all my opinion, invest at your own risk. Do your own due diligence. Dont invest what you cant afford to lose. I could be wrong. BUT I COULD BE VERY, VERY, RIGHT https://ripple.com/insights/ripple-continues-to-bring-internet-of-value-to-life-new-features-increase-transaction-throughput-to-same-level-as-visa/
  18. So while watching this video.. Larsen talked about how they were planning on distributing the XRP pool that Ripple holds. While some is given to the owners and distributors...what got to me was they plan on selling shares of Ripple like VISA did when they first started....Which I wasn't much aware of before doing this: https://usa.visa.com/about-visa/our_business/history-of-visa.html Visa’s journey begins in 1958, the year that Bank of America launched the first consumer credit card program for middle-class consumers and small to medium-sized merchants in the U.S. It didn’t take long for the company to grow—the company expanded internationally in 1974, and introduced the debit card in 1975. In 2007, regional businesses around the world were merged to form Visa Inc and, in 2008, the company went public in one of the largest IPOs in history. In 2016, Visa completed the acquisition of Visa Europe. Today, Visa operates in more than 200 countries and territories with products and services available on any device – cards, laptops, tablets and mobile devices. We continue to evolve, but our focus remains the same—to be the best way to pay and be paid, for everyone, everywhere. 1970 - National BankAmericard incorporates in Delaware as National BankAmericard Inc., led by founder, visionary and CEO Dee Hock. 1973 - National BankAmericard launches the first electronic authorization system, followed by an electronic clearing and settlement system. 1976 - BankAmericard becomes Visa, a simple name that sounds the same in every language, identified by a blue and gold flag. 1979 - The first Visa Travelers Cheques are issued in four currencies. 1983 - Visa launches an automated teller machine (ATM) network, providing 24-hour “anytime, anywhere” cash around the world. 1986 - A new ad campaign herald’s Visa’s evolution from a travel and business tool to a card for everyday use. 1986 - Visa develops multiple-currency clearing and settlement in 21 currencies. 1988 - Visa sponsors its first Olympic Games in Seoul, South Korea, and the Olympic Winter Games in Calgary, Alberta. (Coincidence? Olympics in Seoul coming soon..) 1996 - Visa’s first financial literacy program launches. It’s now in 20+ countries and has helped millions of people manage their money. 1997 - Visa’s total payments volume reaches US $1 trillion, a major milestone for the industry. 2006 - Visa’s total payments volume reaches US $4.4 trillion, surpassing the previous $1 trillion milestone set in 1997. A brief history of VISA that I picked up, and has anyone wondered how big they got? I didn't even know Bank of America is the main hand behind VISA, and how they distributed it through out other banks and the world, it's crazy the momentum it picked up...but just in recent years. In a way...Ripple wants to become that VISA of future payments. Bank of America distributed VISA and it's program to other companies just like what Ripple is trying to do with Banks Consortium and Institutions. So I feel like they are taking the right approach...but VISA had it's struggle before becoming the greatest IPO in history...Ripple has the chance to do the same. VISA was all owned by Bank of America who went through series of steps on to making VISA decentralized from it's banking sector...now acts as it's separate entity. Similar to what Ripple is trying to do...so all I'm trying to say is. There is hope and Ripple is taking the right approach to what can be the next VISA/MasterCard of Payments. Thanks.
  19. http://www.nbcnews.com/business/consumer/war-cash-intensifies-visa-offers-restaurants-10-000-go-cashless-n782276 Interesting news for the further global push to go cashless... I'm sure this has been touched on quite a bit, but what would the likelihood be that someone like Visa actually ends up using Ripple solutions in conjunction with XRP to make their own business more competitive?
  20. Could Ripple eventually cut Mastercard and Visa out of the consumer-merchant purchasing process (assume Joe bought a hat from Amazon using his credit card)? Currently, Mastercard and Visa facilitate payment, they dont extend credit (the bank does). If both the bank and the merchant are using the Ripple Network, why would they need Mastercard/Visa anymore? What am I missing? Thanks
  21. Takk

    Shakepay and XRP

    Does anyone know why XRP isn't linked with Shakepay yet? It is linked with BTC, ETH, and DASH. https://shakepay.co/#/ Is there any news on this front? Is there any visa debit card for XRP? A quick google search gave me these for bitcoin. https://www.weusecoins.com/bitcoin-debit-cards/ Is this something that's waiting on the Bitgo wallet?
  22. http://m.nasdaq.com/article/visa-taps-blockchain-for-cross-border-payment-plan-20161021-00271 "Even though Visa hasn't been as successful with cards for commercial expenditure, wire and paper check-based mechanisms are still slow, inefficient, and costly," said Jim McCarthy, executive vice president for innovation and strategic partnerships at Visa, in an interview. "The size of the opportunity in commercial consumption expenditure is huge."
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