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Wow, what a tremendous amount of research and thought shows in your posts! It's Hodor-like :D Many thanks to you for this excellent contribution!!!

Edited by GiddyUp
grammer

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I,ve re-read this a few times now and really appreciate the work you have put in to this. The observation I would make is that R3 is referred to in a number of instances and Ripple has fewer references, although their consultation papers with MAS are worthy of note as is their work with UAE. I wonder what inroads Ripple may have made, particularly in 2017? It really shows the good work that is being taken just below the radar and not just by Ripple.

Thanks again @Mars75 for this great insight

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