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Banking group Santander will be partnering with Ripple to release an international money transfer app using Ripple’s Blockchain xCurrent and RippleNet platforms, Business Insider reports today, March 24.

When speaking about the upcoming app release at the International Fintech conference in London yesterday, March 23, Nathan Bostock, the UK CEO of Santander said:

“This spring, if not [sic] one beats us to it, we will be the first large retail bank to carry out cross-border payments at scale with Blockchain technology.”

At the end of January of this year, Ana Botin, the CEO of Santander, had mentioned the app launch in the company’s 2017 earnings presentation, noting that it will be open to Spain, Brazil, the United Kingdom, and Poland.

According to Business Insider, Santander had invested in Ripple in 2015 and 2016. The two companies tested an international payment app with test trials in 2016 that showed that Ripple’s technology concluded transfers in less than a day. The payment app will also be able to show an estimate of the cost of a money transfer.

So far this year Ripple has partnered with MoneyGram to speed fiat settlements, a consortium of 61 Japanese banks for creating an instant domestic payments app, and a South Korean bank for “commercial” international remittances, among others.
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The progress of XRP (Ripple) happens so quickly that major news gets buried under FUD on a basis of seconds, but XRP transaction speeds have nonetheless surpassed VISA transaction speeds at a rate of more than two-to-one while few were noticing.

Because of recent updates to XRP, the alt-coin can now process 50,000 transactions per second compared to VISA’s 24,000 transactions per second.

The number of VISA transactions per second is publicly available information published at the VISA website portal, which cites testing of transaction speed that was conducted in 2010.

Image source:

XRP’s 50,000 transactions-per-second is information available at the Ripple company’s website portal that was updated in July 2017. However, recent XRP potential COBALT updates and system health decentralization improvements promise to further increase the transaction speed/capacity that the altcoin is capable of, as well as improve the safety of XRP transactions.

The improvement of transaction speed improves the likelihood of XRP (Ripple) adoption by the more than 100 banks that have confirmed the trial of Ripple technologies in their systems.

Banks have embraced the Ripple system so frequently that Ripple CEO Brad Garlinghouse commented in a recent interview that the company would not announce more bank adoption numbers until they reach 200.

For those who are not aware of the difference between the Ripple company and the XRP alt-coin, Ripple is an international financial transaction company whose owners maintain the majority of the XRP alt-coin for business use—HODn XRP to ensure that banks and financial institutions that it conducts business with will have a sufficient amount of XRP to carry out cross-border fiat-to-fiat conversions and other similar uses of XRP that relate to financial transactions.

Although many in the cryptocurrency community interpret this business decision of the Ripple company to HOD their available XRP as an inherent flaw, for the average XRP investor, this decision is a boon since it permanently reduces the amount of the XRP alt-coin that is in circulation any given day in the trading community, and, most importantly, it ensures that the Ripple company can provide a sufficient amount of XRP to its financial partners.

Thus the value of XRP as an artifact and not as a utility increases, and thus the qualities of XRP an alt-coin simultaneously increase in its capacity to bridge artifact value and use-case value.

In the valuation analysis of alt-coins, two valuation systems have emerged. One that acknowledges the artifact value of an alt-coin that is tied to the limited number and the consequent desirability of cryptocurrency—such as the highly limited number of Bitcoin (BTC) that is available and that therefore makes the coin valuable for the simple fact that the number of Bitcoin (BTC) is limited (now at merely 21 million).

The other emerging consideration to the value of alt-coin involves the use-case of cryptocurrency. In this respect to use-case valuation, XRP is considerably in the forefront of most if not all cryptocurrencies because of the adoption of XRP by the financial sector—most notably to date by the Cuallix financial system, an international company that uses XRP to bridge cross-border fiat transactions and payments. Also, however, this use-case valuation is solidified by the Ripple company’s partnership with SBI Holdings, the leading financial service company in Japan. Their subsidiary, SBI Securities, is Japan’s largest online securities company with more than 4 million brokerage accounts.

SBI Virtual Currencies launched in beta on January 30 and is expected to soon launch in real time. The exchange is designed to provide a respected and reliable exchange for both its institutional customers and individual digital asset buyers in Japan. SBI Virtual Currencies will use XRP as the only digital asset supported at launch.


According to statistics available at, the number of XRP in circulation equals approximately 39 billion, having already neared the number of the alt-coin that is available to the public. According to information from the Ripple company, there are 55 billion of the XRP alt-coin that have been placed into escrow, with the allowance that the Ripple company can sell up to a billion per month. However, the Ripple company seems to be HODn its available XRP, and selling only millions of the alt-coin each month and placing the remainder back into a posteriorly-dated escrow, which means that the XRP that is not sold each month is then positioned to be sold at later than the original escrow timeline dates set by the company, decades down the line. Although each month the Ripple company releases some of the alt-coin to fund its business activity, the number that is sold monthly is low.

Thus there are only really about 6 billion XRP available to the general public, plus the few million that the company sells each month to fund its business activities.


Because XRP can process transactions twice as fast as one of the leading credit card companies in the world, and with more than a hundred banks looking at XRP as a potential artifact to execute cross-border transactions, and with most of the XRP that is available to the public now exhausted, the current undervaluation of XRP is self-evident. Look to XRP in the coming years to become the standard of value for alternative currencies, positioned to continue to lead the cryptocurrency world in use-case valuation.

ADVISORY: Some information in this op-ed was used verbatim from industry websites. Other information referenced comes from news reports. I am not a financial advisor and I do not recommend speculating in cryptocurrency. I own some XRP and other alt-coins, but I don’t day trade.
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Rumor has it that Ripple might soon get listed on the Coinbase exchange, which should push the XRP price to its previous record levels. Ripple has already gained over 19% today.

Ripple’s value has risen by 16% in the past 24 hours, making it by far the biggest gain in the cryptocurrency market. This highly bullish sentiment is fueled by rumors that Coinbase might soon add the XRP token to its trading platform, an event that has been anticipated since last year.

The third biggest digital money hit a record high of $3.84 in the main seven day stretch of 2018 on such desires, yet Coinbase denied the likelihood at the time. This, alongside a general bearish slant about the entire crypto advertise, dragged Ripple underneath $0.70 on February 6.

Presently it appears that Ripple CEO Brad Garlinghouse and Coinbase COO Asiff Hirji are slated to seem together on CNBC's Fast Money appear on Tuesday (March 6). A Xrpchat client asserted CNBC went on about this before a business break, and he even shared a photo showing the two officials alongside two other conceivable visitors.

Coinbase is the largest crypto exchange in the US and one of the largest in the world. It recently reported annual revenues of over $1 billion and has more than 11 million users. It suffered recent problems where a glitch charged users more than necessary and also has two lawsuits filed against it. Nevertheless, the San Francisco-based company remains one of the biggest players in the market, and Ripple will greatly benefit if it gets listed there.

It was recently reported that Coinbase would add 500 new members to its staff, with 90 of them set to start work today. This is also viewed as a preparatory move ahead of Ripple’s arrival as demand for XRP trading will increase, and more personnel will be needed.
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Ripple has been added to coinbase trading platform recently, paving a clear path in its evolution to be next bitcoin. This year 2018 belong to ripple as many banking systems are running their trial on this blockchain technology.
xrp price⇁ $0.9868


The Japan Bank Consortium lines up 47 banks that will start Ripple applications in near future.
These are unconfirmed reports, yes, but we are talking about 47 banks!
Today, unconfirmed reports indicate that about 47 banks in Japan were considering adopting Ripple’s financial applications. The Japan Bank Consortium has indicated that they will seek to implement several Ripple initiatives as part of their operations.
One attractive element of the Ripple ecosystem pulling in financial institutions from around the world lies in the ease with which banks could handle domestic and cross-border financial obligations.
And all these happen on the Ripple network through three platform projects. We have the xRapid, xCurrent, and xVia. These initiatives work to make handling financial matters swift and cheaper to any location around the world.
South Korea Bank to Trial Ripple, and hints at a full Integration
Banks seem to be waking up to the idea that blockchain technology is essential, especially where speed, integrity, and transparency of transactions are concerned. That’s why Woori, one of the largest banks in South Korea said it had run trial tests on Ripple’s XRP token. The successful transaction on Ripple’s blockchain completes a set of trial runs undertaken by the bank. According to media reports attributed to Chosun, Korea’s reputable financial news outlet, Woori could be on the way to implementing large-scale payments or remittances using the Ripple cryptocurrency within 2018.

It emerged that Woori believes Ripple (XRP)’s near-instant speed makes it far better than Swift, which can take up to 3 days to finalize inter-bank transactions. This view supports the notion that many banks in Japan and South Korea are likely to start using Ripplenet applications on a commercial level as early as Q3 2018.
Cambridge Global Payments, (through parent company Fleetcor Technologies), to use XRP
This is probably even more appealing to the Ripple project than what the banks want to do. Suggestions that payment provider Fleetcor Technologies wanted to trial the use of XRP should excite any XRP investor. By deciding to utilize xRapid, Fleetcor will be using XRP coin in its payment remittances. I don’t see why this will not have a direct impact on the cryptocurrency prices in the future.
This pilot project will also include financial consultants Cambridge Global Payments, which is based in Canada. Perhaps more interesting is the fact that CGP has been working with Ripple since 2017, mostly utilizing Ripple’s xCurrent product.
This foray into the use of XRP by Fleetcor Technologies will help XRP become accepted more quickly in the region and around the world. If the pilot project succeeds, then we can only expect many more financial institutions take similar steps.
Ripple claim its products are cheaper and faster, but it also touts them as generally more efficient than the services in the marketplace today, a claim that hinges primarily on its use of blockchain technology and cryptocurrency.
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Installments supplier FLEETCOR turns into the most recent to collaborate with Ripple for guiding the XRP-controlled xRapid item. 

Image Source: smartereum

Commercial payments solutions provider FLEETCOR has partnered with Ripple, to launch a pilot program for Ripple’s xRapid payment network product.

As per a press release issued today, Cambridge Global Payments (a B2B international payments provider acquired by FLEETCOR last year) will pilot Ripple’s xRapid – an international payments network which utilizes Ripple’s native token XRP in payment flows for the purpose of providing on-demand liquidity. The product, according to Ripple, provides the dual advantages of reducing costs and increasing transaction speeds.

In an announcement issued on the association, Mark Frey (COO at Cambridge Global Payments) said his organization plans to convey choice cross-fringe installments benefits and is anticipating enhancing their customers' experience through the organization with Ripple.

Danny Aranda, Director (Business Development) at Ripple, additionally expressed that Ripple was anticipating working with accomplices like FLEETCOR and Cambridge, who "comprehend the advantages of advanced resources and are not kidding about utilizing XRP to defeat the wasteful aspects in the worldwide installment framework".

“We are excited for the insights this pilot program is expected to deliver, and we will use that information to help both Cambridge and FLEETCOR develop our use cases for blockchain in international payments,” said Frey.

Fintech startup Ripple is upheld by conspicuous budgetary foundations, for example, Standard Chartered and the Royal Bank of Canada. It plans to make blockchain-based worldwide installments answer for the match the present SWIFT framework.

As such, partnerships with established financial services providers are a top priority for Ripple; other companies who have recently teamed up with Ripple to test XRP for international payments include Amex, Santander UK, MoneyGram, Cuallix, and more recently IDT and MercuryFX.

While an increase in the number of partnerships is a positive development for Ripple, XRP continues to hover at a little below a dollar, owing primarily to the wider bearish trend which has gripped the crypto market.

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One of the more recognizable and unsurprising Ripple slants as of late has been a sensible increment in the estimation of XRP each time another organization is reported. 

After news of coordinated efforts with three of the five biggest settlement suppliers on the planet, experts were likely foreseeing a finish of year focus of $10 for the money – yet some exceptionally late theory could help XRP to effortlessly outperform this. Exactly what's in store for Ripple, and what amount could the digital currency be worth later on?

Google Pay execution 

Swell as of now has a past filled with banding together with organizations in developing markets, for example, Brazil, India, and China. By joining forces with one of the world's biggest innovation firms, Ripple keeps on asserting some authority in these zones – where Google's Android innovation will probably be embraced by cell phone and tablet clients by virtue of its more prominent reasonableness in contrast with its greatest opponent, Apple.

Swell's innovation is right now being actualized by a considerable lot of the world's biggest monetary foundations. Its makers seem to have played the long diversion in cornering the market, with Google liable to be focused straightaway. By turning into a vital piece of Google Pay notwithstanding its associations with MoneyGram, Western Union, and huge banks, the Ripple framework could basically be viewed as the suspension driving the four wheels of worldwide fund – and the final product? An enormous jump in the estimation of XRP. 

Specialists anticipate that the digital currency could achieve highs of at any rate $600 if the hypothesis in regards to Google execution has all the earmarks of being valid. Google has spent a significant part of the previous decade additionally focusing on developing markets in similar regions Ripple is concentrating, and the amalgamation of RippleNet's quick, reasonable worldwide exchanges is an exceptionally commendable open door for the tech goliath streamline to its administrations.

Common objectives 

The two organizations offer advancements which supplement each other, making the likelihood of an association progressively likely. At last, this makes at this very moment the best chance to put resources into XRP – regardless of whether it doesn't hit the lightheaded statures on $600, it's still liable to enable financial specialists to turn a solid benefit before the year's over.
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Ripple has released two research papers that should delight investors who want to see signs of the startup being gung-ho on doing whatever reasonably possible to further improve its core infrastructure.

At the end of 2017, Ripple’s XRP token was up a mind-boggling 20,000%, making it the top performing asset of the year.

Now the startup is in the midst of making several changes that could lead to it having another banner year.

It announced Wednesday the release of two white papers that better define its consensus algorithm. That announcement came on the heels of it releasing information about how it is strengthening its emerging markets access into India, Brazil, and China.

Here, we’ll go over these latest developments.

Ripple Consensus
On Wednesday, Ripple announced that members of its R&D team had released two new academic research papers about its XRP Ledger Consensus Protocol.

Plans call these papers to be submitted for peer review, which the company’s CTO Stefan Thomas said was a first for Ripple. The hope that this effort will lead to more research being done.

Thomas tweeted:
In a blog post, the company states:
Maintaining our momentum towards further decentralization is critical for XRP Ledger to reach its full potential. We’re proud of how far we’ve come, being the only public Blockchain that has experienced no reversed transactions, no censorship, and no major operational issues for over five years. We look for that track record to continue as the XRP community takes on more and more responsibilities.

Welcome to the family
Ripple also announced the addition of new financial institutions to its RippleNet. These new additions include two banks and three payment providers.

They are Itaú Unibanco, Brazil’s largest private sector bank and Latin America’s biggest bank by market capitalization; IndusInd, a leading private sector bank in India; and Instagram, a major remittance provider based in Singapore, which will use Ripple’s current to provide faster, more transparent cross-border payments to other financial institutions around the world.

Here’s a tweet from Ripple about these developments:

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Glenn Hutchins predicted that some of the leading cryptocurrencies will fade away with only a few successfully taking over the marketplace

Mr. Hutchins, who is the former Chairman of Nasdaq and one of the first establishment investors in bitcoin, compared the cryptocurrency battle to the beginning of the internet.
Referring to the original commercial websites online, he said: "You want to Google - you don't want to be Pets.Com."
Asked on Fox Business News how to know which digital currency will be the "right answer" to the market, Mr. Hutchins said: "It's difficult.
"The price is a distraction - rather you should focus on the means of exchange. It’s a very small nascent property that has potential to be transformative."
"Bitcoin could be the wrong solution - and other tokens like Ethereum or Ripple could end up being the right answer.
"Can you take that technology and use it as a solution for an important customer problem? That's the question investors need to monitor."
Mr. Hutchins has poured around £4m into a series of early-stage investments in companies operating in cryptocurrency.   
The investor added: "I just really think people are missing the point. They should be talking about the companies.
"It’s the biggest opportunity I’ve seen because the two most important things are business information and value.
We can now move information around the world at the speed of light at no cost. Why can’t we do that with value in the future?

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DJ Khaled, Floyd Mayweather, and Paris Whitney Hilton famous personality had shown their interest in cryptocurrency via their social accounts (Instagram and Twitter)
1.) Entrepreneur and former reality TV star Paris Whitney Hilton (fabulous personality) tweeted "looking forward to participating in the new@lydiancoinltd Token,” and noting in a hashtag: #ThisIsNotAnAd to their 17.5 million followers.
2.)Famous boxer Floyd Mayweather showed his interest on the ICO and In July he has posted his interest with picture with caption
"I'm gonna make a s--- t-- of money on August 2nd on the ICO."
3.) An American actor, producer Jamie Foxx jumped into the cryptocurrency world and he tweeted about the cobinhood exchange (a free cryptocurrency trading exchange).

Looking forward to participating in the new @cobinhood Token! ZERO fee trading! #CryptoCurrency #BitCoin #ETH –
— Jamie Foxx (@iamjamiefoxxSeptember 18, 2017
The U.S. Securities and Exchange Commission warns that celebrity cryptocurrency endorsements might be illegal
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Ripple Surges 80% To Become Largest Cryptocurrency

Largest Cryptocurrency

Ripple(XRP) cryptocurrency designed for financial institutions to processing cross border payments in seconds, is making history this month.
Ethereum and Bitcoin are the dialups of cryptocurrency. A transaction can sometimes take up to 35 – 40 minutes to clear with ETH and an hour or more with BTC, whereas Ripple(XRP) takes only seconds with Ripple’s XRP.
XRP token climbed more than 80% today, becoming the world's second-largest cryptocurrency.This jump in value has also increased its world ranking thereby making it the third largest crypto currency of the world with $55 market cap after Bitcoin and Ethereum.
Ripple has attracted a lot of investors, banks, and financial regulators across the globe due to its reliability, scalability, and security.

Largest Cryptocurrency

Ripple Predictions For 2018

By the end of 2018, the Ripple price is expected to cross the $5 barrier at least.
If you want to invest in Ripple(XRP) for quick gains within a few months to an year, it seems promising.
In 2018, it is expected to see a sharp upsurge in its price.