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What is Ripple?

What is Ripple?

Ripple is a protocol for cryptocurrency transactions primarily focused on offering solutions to the financial sector for implementing blockchain technology. Banks and other financial institutions have been experimenting with ways to implement blockchain technology for years. Many of these have gravitated toward Ethereum, with its platform distributed applications and smart contracts, but the San Francisco-based startup Ripple has been gaining traction in this space recently. Continue reading...

What Does Ripple Do?

What Does Ripple Do?

Ripple does several things, serving as a protocol for decentralized currency exchange and transfers of value, primarily focused on the financial service industry. Ripple’s defining characteristic is probably its interface for inter-ledger payments and settlements, meaning the ledgers of other blockchains and the database systems of banks can be seamlessly integrated to offer validation and record-keeping with a reliability and speed that was heretofore unheard-of. Ripple cuts out as many middlemen as possible and dramatically reduces the transaction costs and time required for cross-border money transfers, while also significantly reducing some of the risks inherent to international trade, like counter-party risk. Continue reading...

Will Ripple Make a Superior Payment System?

Will Ripple Make a Superior Payment System?

Ripple is already making waves in the banking world and may be poised to become the #1 option for cross-border settlements between banks worldwide. Ripple is described as giving cross-border payments a protocol as universal as Http does for the web. The current default system for communicating cross-border payments, SWIFT, has been around since the 1970s, but transactions can take nearly a week to settle. This is because SWIFT only provides secure messaging services for the requests from different institutions, but each transaction still requires several intermediaries who each might take a day to negotiate or complete their part in the deal. Ripple offers a revolutionary way to complete transactions in a matter of seconds, by directly linking banks around the world and cutting out the middlemen wherever possible. Continue reading...

How is Ripple Different Than Bitcoin and Ethereum?

How is Ripple Different Than Bitcoin and Ethereum?

Ripple’s XRP has the third-largest market cap in the cryptocurrency world, but what gives it value? Ripple Lab’s intent was not to be a store of value or a currency, per se, like Bitcoin. Neither did it intend to be a platform for developers to explore the possibilities of blockchains, like Ethereum. Ripple was always focused on being a payment system, facilitating transfers between banks, currencies, and countries in a way that would not be possible without blockchains. Continue reading...

What is the XRP Escrow Lock-Up?

What is the XRP Escrow Lock-Up?

Ripple does not have a mining rewards system like Bitcoin for releasing new coins into the market, so they’ve enacted a plan to put 55 billion XRP into escrow accounts. Prior to 2017, Ripple did not offer any guarantees to coin-holders concerning the rate at which Ripple would release XRP coins into the wild, and this made investors nervous. At any moment, Ripple theoretically could have dumped the approximately 60 billion remaining XRP into the market and washed out any value that the investors... Continue reading...