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1. What is Ripple (XRP)? If you’re new to cryptocurrency the answer may
surprise you… because it is not a cryptocurrency. While it originally referred to
both the name of a coin and the platform on which it was based, today
“Ripple” refers only to the platform—to either the RippleNet payment protocol
or the company behind it, Ripple Labs Incorporated. The currency itself is now
known as XRP, but even more surprising is that it’s not exactly a
cryptocurrency either. Rather, it’s defined on the coin’s official site as a “digital
asset for payments.”
So, what is Ripple? For starters, it’s the official the payment network on which
XRP is based. This technology is best described as a global distributed and
permissioned transactional infrastructure, which allows for very rapid and
low-cost transactions, at the cost of some centralization.
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2. It has been designed for three major applications:
● Real-time settlement between major institutions, such as corporations
and (central) banks,
● Remittance between companies and individuals in different countries,
● Currency trading outside of traditional Forex markets.
RippleNet supports 3 major products at present:
● xCurrent, which processes payments for banks and financial services
companies.
● xVia, used for remittance, or sending payments between banks in
different countries.
● xRapid, used to source liquidity between payment providers using XRP.
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XRP vs Other Cryptocurrencies
An important difference between Ripple and most other cryptocurrencies is
that it doesn’t use either Proof of Work (which is to say, mining, whereby
anyone can create new currency at a set rate and in proportion to their mining
power) or Proof of Stake (which is a system in which anyone can create new
currency at a set rate and in proportion to their crypto holdings). Instead,
Ripple uses a distributed agreement protocol to validate its ledger. In this
system, double-spending (or fraudulent transactions, in non-technical terms)
is prevented by the consensus of a majority of trusted validators.

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It’s a setup that is far more efficient than found in regular cryptos. Ripple’s
platform is extremely rapid and requires hardly any electrical expenditure to
maintain, unlike Bitcoin which consumes inordinate amounts of power.
However, that comes at an expense: it is much more centralized than other
cryptocurrencies and thus requires faith that the majority of validators will stay
honest. In the past, validators demonstrated control over the ledger by
freezing the XRP sales of former CEO, Jed McCaleb. This makes it similar to
the banking system, which can freeze or seize user accounts. While the
degree to which Ripple is (de)centralized is a contentious issue, the fact that
Ripple Labs owned in excess of 55% of all XRP (which it publically agreed to
release at a rate of 1 billion XRP per month via an escrow content), means
that the company holds major – albeit diminishing – power over price.
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One more important difference between XRP and cryptocurrency is in the
former’s approach to the conventional banking establishment. Whereas most
cryptocurrencies create an entirely separate monetary system which could
potentially replace fiat currency and the entire banking industry if it proves
ultimately successful, Ripple takes a more cooperative approach. Indeed,

4. much of its value proposition lies in it being adopted by banks as a payment
network and settlement infrastructure, and to this end, it has already partnered
with many major banks.
If you’ve ever sent money internationally via bank wire, perhaps using the
SWIFT system, you’ll have an idea why it might make sense to buy XRP or to
use it over xRapid. Whereas sending money through banks is slow and
expensive, Ripple can move funds between banks rapidly, cheaply, and
reliably.
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Ripple’s History
Ripple was launched as open-source software in 2012, making it the
second-oldest major altcoin after Litecoin (LTC). The Ripple protocol was
designed by Jed McCaleb and it incorporated elements of an earlier payment
system designed by Ryan Fugger, known as OpenCoin. McCaleb was the
creator of the infamous Mt. Gox exchange, which he sold to Mark Karpeles in
2011. After leaving the company, McCaleb co-founded Stellar (XLM), which
bears many similarities to XRP.

5. Ripple was coded by Arthur Britto and David Schwartz, who remains as Chief
Technical Officer and Chief Cryptographer. The current CEO is Brad
Garlinghouse, who also led AOL and Yahoo! in the past. Garlinghouse joined
up in April of 2015 and has been instrumental in establishing numerous
corporate partnerships between Ripple and various banks, money
transmitters, and corporations.
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The current list of Ripple’s 157 partnerships and implementations, as well as
XRP network and price stats, can be found at Rppl.info. On the 17th of July
2019, the company announced a new partnership with major money
transmitter, MoneyGram, which will now use XRP over xRapid for remittance
and Forex purposes. Ripple also took a $50 million stake in the company,
which in 2014 was the second-largest money transfer company in the world.
The Ripple Price
The Ripple price (or XRP price as it may be) has largely held a range below
$1, apart from a massive spike during late 2018 crypto-mania, which took the
price to its all-time high of $3.31.

6. The weekly XRP / Ripple price from December 2016 to late July of 2019,
note the spike caused by people scrambling to buy XRP. Chart courtesy of
Trading View.
When considering the Ripple price, it’s good to keep in mind the asset’s
distribution. A total of 100 billion XRP was created in 2012, about 50 billion of
which is held by Ripple Labs in the aforementioned escrow account which
releases 1 billion monthly. The current circulating supply of XRP is estimated
at 42 billion. It’s further estimated that 91.46 billion XRP is held by the top 59
accounts, which include those of former and current CEOs and developers.
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7. Ripple has attained the status of second in value only to Bitcoin several times
throughout its history. It was most recently in second place during late 2018,
before being flipped for second by Ethereum (ETH). Surprisingly, the price
displayed little reaction to the MoneyGram news, despite the fact that the
service will employ XRP for value transmission.
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It would, therefore, appear that XRP is in a neutral phase currently. It would
make sense to buy XRP if your market view is that altcoins will outperform
Bitcoin in future, and that Ripple is uniquely-positioned to gain widespread
adoption through its integration with the traditional banking and monetary
transmission system.
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