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This article is semi-protected until February 5, 2018. Released in 2012, Ripple purports to enable “secure, instantly and nearly free global financial transactions of any size with no chargebacks. The network can operate without the Ripple company. Ripple system have a number of advantages over cryptocurrencies like bitcoin,” including price and security. Vancouver, and his intent was to create a monetary system that was decentralized and could effectively allow individuals and communities to create their own money.

2005 as a financial service to provide secure payment options to members of an online community via a global network. Arthur Britto and David Schwartz. After discussions with long-standing members of the Ripple community, Fugger handed over the reins. The Ripple protocol enables the instant and direct transfer of money between two parties. The bitcoin Bridge allows Ripple users to send a payment in any currency to a bitcoin address. Ripple Labs continued as the primary contributors of code to the consensus verification system behind Ripple, which can “integrate with banks’ existing networks.

Phone users to send and receive any currency via their phones. This Ripple Client app no longer exists. That September the New Jersey-based Cross River Bank and Kansas-based CBW Bank announced they would be using the Ripple protocol. By December Ripple Labs began working with global payments service Earthport, combining Ripple’s software with Earthport’s payment services system. The partnership marked the first network usage of the Ripple protocol.

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