Seven Ways From Sunday


‘Seven ways from Sunday’ is a Western colloquialism that signifies a task that can conceivably be done a different way for each day of the week.

It’s a colorful phrase, and it means ‘this is going to happen.’

When I think of the increasing pace of growth of the XRP ecosystem, the news about Ripple, Coil, and other champion organizations that are building on it, that phrase keeps popping up in my head: It’s not any one particular thing that will help XRP succeed.

It’s all of them.

The use cases for XRP are gargantuan. The first one – usage as a bridge currency – has a ‘total addressable market’ measured in numbers that are almost impossible for the human mind to grasp. The ForEx market and the cross-border transfer market together are measured in ‘quadrillions‘ of dollars per year.

XRP’s Use Cases:

  • Bridge Currency
  • Micropayments
  • Web Monetization
  • Interledger – Payment Streaming
  • Decentralized Trading
  • Sharing Economy
  • Smart Contracts

And the second one on the list – micropayments – is growing fast.

Coil is attracting interest from all corners of the web, and it’s apparent that Ripple takes this use case very seriously, having just invested a billion XRP into the Coil ecosystem, fueling deals like the one with Imgur.

Some of the other use cases like web monetization and Interledger are connected to micropayments, but exist on their own as well; stakeholder organizations like RISE, Omni, and others are investigating ILP and its applications for their respective businesses.

Focused Energy

XRP’s ecosystem is expanding with a level of intensity that only comes from teams that are laser-focused on their projects and initiatives. We’ve seen substantial progress from Ripple on multiple fronts, including the proactive leadership they’ve taken trying to achieve regulatory certainty here in the U.S. And Coil is interacting with the W3C, universities, and other stakeholders in the field of web monetization; all while championing the growth of their new blogging platform.

While other technology projects may depend on descriptions based on hyperbole, XRP is in no need of exaggeration. This is one digital asset that will be adopted: Seven ways from Sunday.

General Crypto News

Do people that are new to cryptocurrency know about the difference between the various transaction validation approaches for decentralized networks?

Probably not.

If you’re having a first conversation with somebody about cryptocurrency and XRP, talking about the way in which the different cryptos validate transactions may be a bit out of range; instead, it’s better to start with concepts that the person can readily understand.

But eventually, it’s important to point out some of the important characteristics that should weigh on their own preferences about which coin to buy, support, or investigate further. One of those important characteristic – some would say the most important – is the network’s impact on the environment.

And this is where the hypocrisy of Bitcoin maximalists becomes readily identifiable, like a polar bear in a San Diego zoo. The worst network is Bitcoin, and its impact on the environment is troubling:


Bitcoin maximalists would rather this information be either swept under the rug, or attacked directly.

As improbable as it sounds, some of them try and argue about the actual statistics, even though the numbers have been successfully defended multiple times. If attacking the messenger doesn’t work, they will inevitably jump through any number of hoops to try and rationalize the harm to the environment.

Instead, the obvious answer is to use modern technology and approaches instead of outdated approaches that require massive amounts of electricity to power competing Bitcoin ‘miners.’

An XRP Community member recently reminded people of Bitcoin’s impact with a tweet:


@hastytoro profiled a paper that was jointly researched by the Executive Graduate School at Stanford and the Department of Mathematics at Stockholm University. The study found that Bitcoin’s energy usage is equivalent to nations such as Austria. The study elaborates on these numbers, and uses examples from peoples’ daily lives to communicate the concept. One example of this is how the paper translates these electrical usage statistics into light bulbs, car miles, and dishwashers.

And of course, XRP, by contrast, is the most efficient payment network profiled; even more efficient than some centralized technologies, which is a high bar for a decentralized network.

Ripple News

Before I dive into the biggest news of the past few days – the CNN interview of Brad Garlinghouse by Julia Chatterley on September 12ᵗʰ – it’s wise to remember the key differences between mainstream and crypto news media.

While crypto news sometimes feels like we’re ‘talking to ourselves’ within the industry, when a mainstream news media outlet like Fortune, Bloomberg, or CNN covers crypto and XRP-related news, the audience is far more diverse than in crypto. The audience for crypto-related topics tends to be very narrow, and is skewed towards educated young males.

This demographic has held true over years, and was just re-confirmed this year by Leonidas Hadjiloizou‘s survey results.

So it was with some excitement that I approached this latest interview; CNN’s televised broadcasts normally reach audiences that are measured in the hundreds of thousands. Even though Julia Chatterley streams her content, the brand name of CNN is behind the broadcast, and hence, the interview was probably seen by a large number of ‘non-crypto’ viewers.

The session was chopped into two parts, and shared individually over Twitter:

Part One

Part Two

Here’s a few of my favorite questions and answers from the interview:

Question (Julia Chatterley): “𝘞𝘩𝘪𝘤𝘩 𝘣𝘢𝘯𝘬𝘴 𝘳𝘪𝘨𝘩𝘵 𝘯𝘰𝘸 𝘢𝘳𝘦 𝘢𝘤𝘵𝘶𝘢𝘭𝘭𝘺 𝘶𝘴𝘪𝘯𝘨 𝘙𝘪𝘱𝘱𝘭𝘦?”

Answer (Brad Garlinghouse): “𝘞𝘦’𝘷𝘦 𝘴𝘪𝘨𝘯𝘦𝘥 𝘶𝘱 𝘰𝘷𝘦𝘳 200 𝘣𝘢𝘯𝘬𝘴 𝘢𝘳𝘰𝘶𝘯𝘥 𝘵𝘩𝘦 𝘸𝘰𝘳𝘭𝘥. 𝘚𝘰𝘮𝘦 𝘰𝘧 𝘵𝘩𝘰𝘴𝘦 𝘣𝘢𝘯𝘬𝘴 𝘫𝘶𝘴𝘵 𝘶𝘴𝘦 𝘰𝘶𝘳 𝘴𝘰𝘧𝘵𝘸𝘢𝘳𝘦 𝘵𝘰 𝘥𝘰 𝘵𝘩𝘢𝘵 𝘥𝘦𝘣𝘪𝘵-𝘢𝘯𝘥-𝘤𝘳𝘦𝘥𝘪𝘵, 𝘧𝘪𝘢𝘵-𝘵𝘰-𝘧𝘪𝘢𝘵; 𝘢𝘯𝘥 𝘴𝘰𝘮𝘦 𝘰𝘧 𝘵𝘩𝘦𝘮 𝘢𝘳𝘦 𝘶𝘴𝘪𝘯𝘨 𝘟𝘙𝘗 𝘪𝘯 𝘵𝘩𝘰𝘴𝘦 𝘧𝘭𝘰𝘸𝘴; 𝘞𝘦 𝘩𝘢𝘷𝘦 𝘣𝘢𝘯𝘬𝘴 𝘭𝘪𝘬𝘦 𝘚𝘢𝘯𝘵𝘢𝘯𝘥𝘦𝘳, 𝘵𝘩𝘢𝘵 𝘸𝘦’𝘷𝘦 𝘣𝘦𝘦𝘯 𝘸𝘰𝘳𝘬𝘪𝘯𝘨 𝘸𝘪𝘵𝘩 𝘧𝘰𝘳 𝘺𝘦𝘢𝘳𝘴, 𝘢𝘯𝘥 𝘵𝘩𝘦𝘺’𝘳𝘦 𝘮𝘰𝘷𝘪𝘯𝘨 𝘭𝘰𝘵𝘴 𝘰𝘧 𝘷𝘰𝘭𝘶𝘮𝘦 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘙𝘪𝘱𝘱𝘭𝘦’𝘴 𝘵𝘦𝘤𝘩𝘯𝘰𝘭𝘰𝘨𝘺. 𝘈𝘯𝘥 𝘢𝘴 𝘐 𝘮𝘦𝘯𝘵𝘪𝘰𝘯𝘦𝘥 𝘦𝘢𝘳𝘭𝘪𝘦𝘳, 𝘱𝘢𝘺𝘮𝘦𝘯𝘵 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘳𝘴 𝘭𝘪𝘬𝘦 𝘔𝘰𝘯𝘦𝘺𝘎𝘳𝘢𝘮, 𝘰𝘳 𝘙𝘪𝘢, 𝘰𝘳 𝘈𝘻𝘪𝘮𝘰, 𝘵𝘩𝘢𝘵 𝘢𝘳𝘦 𝘶𝘴𝘪𝘯𝘨 𝘟𝘙𝘗 𝘵𝘰 𝘮𝘰𝘷𝘦 𝘵𝘩𝘢𝘵 𝘭𝘪𝘲𝘶𝘪𝘥𝘪𝘵𝘺; 𝘢𝘯𝘥 𝘳𝘦𝘢𝘭𝘭𝘺, 𝘳𝘦𝘥𝘶𝘤𝘪𝘯𝘨 𝘵𝘩𝘦𝘪𝘳 𝘤𝘰𝘴𝘵𝘴 𝘢𝘯𝘥 𝘪𝘮𝘱𝘳𝘰𝘷𝘪𝘯𝘨 𝘵𝘩𝘦𝘪𝘳 𝘱𝘳𝘰𝘥𝘶𝘤𝘵.”

Question (Julia Chatterley): “𝘐𝘴 𝘵𝘩𝘦 𝘮𝘦𝘴𝘴𝘢𝘨𝘦 𝘵𝘰 𝘪𝘯𝘷𝘦𝘴𝘵𝘰𝘳𝘴 ‘𝘋𝘰𝘯’𝘵 𝘶𝘴𝘦 𝘟𝘙𝘗 𝘵𝘰 𝘴𝘱𝘦𝘤𝘶𝘭𝘢𝘵𝘦?’ “

Answer (Brad Garlinghouse): “𝘗𝘦𝘰𝘱𝘭𝘦 𝘢𝘳𝘦 𝘨𝘰𝘪𝘯𝘨 𝘵𝘰 𝘴𝘱𝘦𝘤𝘶𝘭𝘢𝘵𝘦 𝘰𝘯 𝘥𝘪𝘧𝘧𝘦𝘳𝘦𝘯𝘵 𝘢𝘴𝘴𝘦𝘵 𝘤𝘭𝘢𝘴𝘴𝘦𝘴; 𝘗𝘦𝘰𝘱𝘭𝘦 𝘴𝘱𝘦𝘤𝘶𝘭𝘢𝘵𝘦 𝘰𝘯 𝘨𝘰𝘭𝘥; 𝘤𝘶𝘳𝘳𝘦𝘯𝘤𝘪𝘦𝘴; 𝘺𝘰𝘶 𝘯𝘢𝘮𝘦 𝘪𝘵. 𝘗𝘦𝘰𝘱𝘭𝘦 𝘢𝘳𝘦 𝘨𝘰𝘪𝘯𝘨 𝘵𝘰 𝘴𝘱𝘦𝘤𝘶𝘭𝘢𝘵𝘦 …

… 𝘵𝘩𝘦 𝘭𝘰𝘯𝘨-𝘵𝘦𝘳𝘮 𝘷𝘢𝘭𝘶𝘦 𝘰𝘧 𝘢𝘯𝘺 𝘥𝘪𝘨𝘪𝘵𝘢𝘭 𝘢𝘴𝘴𝘦𝘵 𝘪𝘴 𝘨𝘰𝘪𝘯𝘨 𝘵𝘰 𝘣𝘦 𝘥𝘦𝘳𝘪𝘷𝘦𝘥 𝘧𝘳𝘰𝘮 𝘵𝘩𝘦 𝘶𝘵𝘪𝘭𝘪𝘵𝘺 𝘪𝘵 𝘥𝘦𝘭𝘪𝘷𝘦𝘳𝘴. 𝘛𝘩𝘦𝘳𝘦’𝘴 𝘢 𝘭𝘰𝘵 𝘰𝘧 𝘩𝘺𝘱𝘦 𝘪𝘯 𝘵𝘩𝘦 𝘤𝘳𝘺𝘱𝘵𝘰 𝘮𝘢𝘳𝘬𝘦𝘵 𝘴𝘱𝘢𝘤𝘦. 𝘞𝘦’𝘷𝘦 𝘴𝘦𝘦𝘯 𝘵𝘩𝘢𝘵 𝘦𝘷𝘦𝘯 𝘳𝘦𝘤𝘦𝘯𝘵𝘭𝘺. 𝘛𝘩𝘦𝘳𝘦’𝘴 𝘢 𝘭𝘰𝘵 𝘰𝘧 𝘢𝘵𝘵𝘦𝘯𝘵𝘪𝘰𝘯 𝘨𝘰𝘪𝘯𝘨 𝘰𝘯 𝘢𝘳𝘰𝘶𝘯𝘥 𝘓𝘪𝘣𝘳𝘢 𝘢𝘯𝘥 𝘍𝘢𝘤𝘦𝘣𝘰𝘰𝘬’𝘴 𝘢𝘯𝘯𝘰𝘶𝘯𝘤𝘦𝘮𝘦𝘯𝘵. 𝘛𝘰𝘥𝘢𝘺, 𝘵𝘩𝘢𝘵’𝘴 𝘫𝘶𝘴𝘵 𝘢 𝘸𝘩𝘪𝘵𝘦𝘱𝘢𝘱𝘦𝘳.

… 𝘐 𝘸𝘰𝘶𝘭𝘥 𝘦𝘯𝘤𝘰𝘶𝘳𝘢𝘨𝘦 𝘢𝘯𝘺𝘣𝘰𝘥𝘺 𝘭𝘰𝘰𝘬𝘪𝘯𝘨 𝘢𝘵 𝘵𝘩𝘪𝘴 𝘮𝘢𝘳𝘬𝘦𝘵𝘱𝘭𝘢𝘤𝘦 … 𝘵𝘰 𝘶𝘯𝘥𝘦𝘳𝘴𝘵𝘢𝘯𝘥 𝘸𝘩𝘢𝘵 𝘪𝘴 𝘳𝘦𝘢𝘭; 𝘸𝘩𝘢𝘵 𝘪𝘴 𝘯𝘰𝘵 𝘳𝘦𝘢𝘭. 𝘈𝘯𝘥, 𝘶𝘯𝘥𝘦𝘳𝘴𝘵𝘢𝘯𝘥 ‘𝘪𝘴 𝘵𝘩𝘦𝘳𝘦 𝘢 𝘶𝘴𝘦 𝘤𝘢𝘴𝘦? 𝘐𝘴 𝘵𝘩𝘦𝘳𝘦 𝘶𝘵𝘪𝘭𝘪𝘵𝘺?’ “

Question (Julia Chatterley): “𝘉𝘶𝘵, 𝘺𝘰𝘶 𝘢𝘨𝘳𝘦𝘦 𝘺𝘰𝘶 𝘤𝘢𝘯 𝘤𝘰𝘯𝘵𝘳𝘰𝘭 𝘵𝘩𝘦 𝘱𝘳𝘪𝘤𝘦 𝘵𝘰 𝘴𝘰𝘮𝘦 𝘥𝘦𝘨𝘳𝘦𝘦? (𝘰𝘧 𝘟𝘙𝘗)”

Answer (Brad Garlinghouse): “𝘖𝘩, 𝘯𝘰. 𝘕𝘰. 𝘐𝘧 𝘺𝘰𝘶 𝘭𝘰𝘰𝘬 𝘢𝘵 𝘵𝘩𝘦 𝘤𝘰𝘳𝘳𝘦𝘭𝘢𝘵𝘪𝘰𝘯 𝘣𝘦𝘵𝘸𝘦𝘦𝘯 𝘟𝘙𝘗 𝘢𝘯𝘥 𝘮𝘰𝘴𝘵 𝘰𝘧 𝘵𝘩𝘦 𝘤𝘳𝘺𝘱𝘵𝘰 𝘮𝘢𝘳𝘬𝘦𝘵 … 𝘺𝘰𝘶’𝘭𝘭 𝘴𝘦𝘦 𝘢 𝘷𝘦𝘳𝘺 𝘩𝘪𝘨𝘩 𝘥𝘦𝘨𝘳𝘦𝘦 𝘰𝘧 𝘤𝘰𝘳𝘳𝘦𝘭𝘢𝘵𝘪𝘰𝘯. 𝘙𝘪𝘱𝘱𝘭𝘦 𝘤𝘢𝘯’𝘵 𝘤𝘰𝘯𝘵𝘳𝘰𝘭 𝘵𝘩𝘦 𝘱𝘳𝘪𝘤𝘦 𝘰𝘧 𝘟𝘙𝘗 𝘢𝘯𝘺 𝘮𝘰𝘳𝘦 𝘵𝘩𝘢𝘯 𝘵𝘩𝘦 𝘸𝘩𝘢𝘭𝘦𝘴 (𝘸𝘦𝘢𝘭𝘵𝘩𝘺 𝘤𝘳𝘺𝘱𝘵𝘰 𝘵𝘳𝘢𝘥𝘦𝘳𝘴) 𝘤𝘢𝘯 𝘤𝘰𝘯𝘵𝘳𝘰𝘭 𝘵𝘩𝘦 𝘱𝘳𝘪𝘤𝘦 𝘰𝘧 𝘉𝘪𝘵𝘤𝘰𝘪𝘯 … 𝘐 𝘥𝘰𝘯’𝘵 𝘵𝘩𝘪𝘯𝘬 𝘢𝘯𝘺𝘣𝘰𝘥𝘺 𝘪𝘴 𝘪𝘯 𝘢 𝘱𝘰𝘴𝘪𝘵𝘪𝘰𝘯 𝘵𝘰 𝘮𝘢𝘯𝘪𝘱𝘶𝘭𝘢𝘵𝘦 𝘵𝘩𝘰𝘴𝘦 𝘱𝘳𝘪𝘤𝘦𝘴.”

It was a hard-hitting interview, and Julia Chatterley covered additional topics as well, such as how institutional sales work, and ownership decentralization levels.

Many of the topics that are the focus of debates and discussions on Twitter were posed to Brad Garlinghouse during a total of fifteen minutes.

This two-part interview is a ‘must-watch’ for XRP owners or serious researchers.


TTI/Vanguard is an organization based in Santa Monica, California that hosts multiple meetings about technology trends and their impacts. According to their own website:

“𝘛𝘛𝘐/𝘝𝘢𝘯𝘨𝘶𝘢𝘳𝘥 𝘪𝘴 𝘢𝘯 𝘢𝘥𝘷𝘢𝘯𝘤𝘦𝘥 𝘵𝘦𝘤𝘩𝘯𝘰𝘭𝘰𝘨𝘺 𝘮𝘦𝘮𝘣𝘦𝘳𝘴𝘩𝘪𝘱 𝘧𝘰𝘳 𝘴𝘦𝘯𝘪𝘰𝘳-𝘭𝘦𝘷𝘦𝘭 𝘦𝘹𝘦𝘤𝘶𝘵𝘪𝘷𝘦𝘴. 𝘞𝘦 𝘪𝘯𝘵𝘳𝘰𝘥𝘶𝘤𝘦, 𝘥𝘪𝘴𝘤𝘶𝘴𝘴, 𝘢𝘯𝘥 𝘦𝘷𝘢𝘭𝘶𝘢𝘵𝘦 𝘦𝘮𝘦𝘳𝘨𝘪𝘯𝘨 𝘢𝘯𝘥 𝘣𝘳𝘦𝘢𝘬𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘵𝘦𝘤𝘩𝘯𝘰𝘭𝘰𝘨𝘪𝘦𝘴 𝘰𝘯 𝘵𝘩𝘦 𝘵𝘸𝘰-𝘵𝘰-𝘧𝘪𝘷𝘦-𝘺𝘦𝘢𝘳 𝘩𝘰𝘳𝘪𝘻𝘰𝘯. 𝘛𝘩𝘳𝘰𝘶𝘨𝘩 𝘳𝘦𝘴𝘦𝘢𝘳𝘤𝘩, 𝘤𝘰𝘯𝘧𝘦𝘳𝘦𝘯𝘤𝘦𝘴, 𝘸𝘰𝘳𝘬𝘴𝘩𝘰𝘱𝘴, 𝘢𝘯𝘥 𝘧𝘪𝘦𝘭𝘥 𝘵𝘳𝘪𝘱𝘴, 𝘦𝘹𝘱𝘦𝘳𝘵𝘴 𝘰𝘧𝘧𝘦𝘳 𝘱𝘦𝘳𝘴𝘱𝘦𝘤𝘵𝘪𝘷𝘦𝘴 𝘰𝘯 𝘧𝘶𝘵𝘶𝘳𝘦 𝘵𝘦𝘤𝘩𝘯𝘰𝘭𝘰𝘨𝘪𝘦𝘴 𝘢𝘯𝘥 𝘵𝘩𝘦𝘪𝘳 𝘪𝘮𝘱𝘢𝘤𝘵 𝘰𝘯 𝘰𝘳𝘨𝘢𝘯𝘪𝘻𝘢𝘵𝘪𝘰𝘯𝘴, 𝘪𝘯𝘧𝘳𝘢𝘴𝘵𝘳𝘶𝘤𝘵𝘶𝘳𝘦𝘴, 𝘱𝘰𝘭𝘪𝘤𝘪𝘦𝘴, 𝘢𝘯𝘥 𝘴𝘰𝘤𝘪𝘦𝘵𝘺. 𝘛𝘩𝘦 𝘳𝘦𝘴𝘶𝘭𝘵 𝘪𝘴 𝘢 𝘧𝘳𝘢𝘮𝘦𝘸𝘰𝘳𝘬 𝘧𝘰𝘳 𝘭𝘪𝘯𝘬𝘪𝘯𝘨 𝘴𝘵𝘳𝘢𝘵𝘦𝘨𝘪𝘤 𝘵𝘦𝘤𝘩𝘯𝘰𝘭𝘰𝘨𝘺 𝘱𝘭𝘢𝘯𝘯𝘪𝘯𝘨 𝘵𝘰 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘴𝘶𝘤𝘤𝘦𝘴𝘴.”

The organization is not an ‘ordinary’ conference series that’s popped up specializing in blockchain; it’s an exclusive club of organizations with, historically, a huge amount of industry and financial influence, including MIT, DARPA, Accenture, Federal Reserve Board, the IEEE, Intel, Northrop Grumman, and TD Ameritrade.

On September 12ᵗʰ, the conference’s official twitter account sent out a tweet about how Bradley Chase from Ripple had conducted a presentation about decentralized consensus:


Just knowing that Ripple presented at the conference is impressive; hopefully the conference’s attendees benefited from Bradley Chase’s explanation and were able to understand some of the important concepts. Part of achieving the necessary changes in the financial system involves educating the industry leaders that could potentially play an important role in promoting the Internet of Value (IoV).


The announcement about Ripple’s Xpring investment into Coinme occurred on Friday, September 13ᵗʰ:


The tweet from Ethan Beard appeared on my twitter stream, and I grew excited, especially from the way that he described it. His tweet said:

“𝘊𝘢𝘯’𝘵 𝘸𝘢𝘪𝘵 𝘵𝘰 𝘴𝘦𝘦 #𝘹𝘳𝘱 𝘰𝘯 @𝘊𝘰𝘪𝘯𝘮𝘦𝘈𝘛𝘔!”

And then it linked to the blog written by Suneet Wadhwa. I then noticed others from Ripple had sent congratulatory tweets as well, including Warren Paul Anderson, Ripple’s Product Manager. I clicked into that thread to see if he’d commented further.

Scrolling down the tweet thread to see who had responded, I noticed that Coinme’s twitter account had been interacting with people on the thread, and that Alex Cobb, a popular XRP YouTuber had asked:

“… 𝘋𝘰 𝘺𝘰𝘶 𝘵𝘩𝘪𝘯𝘬 𝘸𝘦 𝘸𝘰𝘶𝘭𝘥 𝘦𝘷𝘦𝘳 𝘴𝘦𝘦 𝘰𝘵𝘩𝘦𝘳 𝘢𝘴𝘴𝘦𝘵𝘴 𝘭𝘪𝘬𝘦 𝘟𝘙𝘗 𝘪𝘯𝘤𝘭𝘶𝘥𝘦𝘥 𝘸𝘪𝘵𝘩𝘪𝘯 𝘵𝘩𝘦 𝘬𝘪𝘰𝘴𝘬𝘴?”

My first reaction after reading his question was ‘Well, yes, Ethan indicated that in his tweet…’ But I noticed that there was no reply to his question from Coinme. Perplexed, especially given the tweet from Ethan Beard, I asked Coinme myself:

“𝘞𝘪𝘭𝘭 𝘟𝘙𝘗 𝘣𝘦 𝘢𝘷𝘢𝘪𝘭𝘢𝘣𝘭𝘦 𝘪𝘯 𝘵𝘩𝘦 𝘒𝘪𝘰𝘴𝘬𝘴 𝘥𝘪𝘳𝘦𝘤𝘵𝘭𝘺?”

Still no response. Then I noticed that a third person had posed the question, too, again with no response:

Then I sent a DM to a Ripple employee to inquire about the announcement, and was only able to confirm that Ripple received an equity stake in Coinme as part of their funding.

While I hope that Ethan Beard is correct about seeing XRP in the kiosks (eventually), I haven’t heard from anybody – not even Coinme – that can confirm whether or not XRP will be available directly in their kiosks. And usually when a company that is as ‘interactive’ on social media as Coinme doesn’t comment, it’s because they want to avoid giving bad news.

The official blog, and the official announcement, said nothing about XRP being available in the kiosks and instead indicated that the money would be used to:

“𝘰𝘣𝘵𝘢𝘪𝘯 𝘢𝘥𝘥𝘪𝘵𝘪𝘰𝘯𝘢𝘭 𝘭𝘪𝘤𝘦𝘯𝘴𝘦𝘴 𝘵𝘰 𝘰𝘱𝘦𝘳𝘢𝘵𝘦 𝘯𝘢𝘵𝘪𝘰𝘯𝘸𝘪𝘥𝘦 𝘢𝘯𝘥 𝘦𝘹𝘱𝘢𝘯𝘥 𝘵𝘰 𝘬𝘦𝘺 𝘪𝘯𝘵𝘦𝘳𝘯𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘮𝘢𝘳𝘬𝘦𝘵𝘴.”

The blog – published by Ripple – indicates that Coinme will use the investment money to expand into new markets by obtaining needed licenses for its Bitcoin Kiosks.


While the announcement speaks to a positive and inclusive mind-set to helping build the Internet of Value, it’s fascinating that the company receiving the investment would not even entertain the idea of listing XRP in its machines.

It’s my perspective that companies should be supported as part of Xpring, but if that company demonstrates that it is actively protecting Bitcoin’s market share, Ripple may want to do a ‘hard pass’ on it for the time being.

And alternatively, if the benefit from this business deal is part of some clandestine strategy that can’t be revealed, then the announcement is even more perplexing because it shouldn’t have been publicly disclosed.

As of this writing, the announcement is only two days old, so perhaps new information about the Xpring investment will be revealed.


Not many people are enthusiastic about SWIFT. The old correspondence banking network was originally designed and operated during the age of analog telephones over forty years ago. In its time, there were, no doubt, many old-school, paper-and-pencil bank accountants that scoffed at the notion of using electronics for communicating financial information.

But that time has long since disappeared into the fog of history, and the years have not been kind.

Instead of noting the inexorable shift to blockchain technology, SWIFT chose to protect the business interests of some of the larger money center banks, and ignored the new fintechs that started to emerge; Ripple was among them, and faced one frustrating encounter after another.

Then, in 2017, Brad Garlinghouse and the other leaders at Ripple wisely decided to go their own way and organize the SWELL conference. That first SWELL conference was scheduled at the same time and location as SIBOS, causing some (intentional?) drama in the mainstream media. Ripple contracted with a company to transport attendees from SIBOS to a different location in Toronto at its own conference.

So now you’re probably wondering ‘why would Ripple attend SIBOS?’

If you think about it, attending SIBOS two years after that first SWELL conference is a stroke of genius. SIBOS now represents a convenient location where Ripple’s potential customer base is all in one location. To be fair, not all of the decision makers will be attending SIBOS, but enough of them will be there to attract Ripple’s attention.

And they responded by sending one of their most well-spoken company executives, Navin Gupta, their Managing Director of MENA (Middle-east and North Africa):


SIBOS takes place in late September in London, and Navin Gupta is presenting during a segment titled ‘The future of cross-border payments – Transforming remittances with digital assets.’

SIBOS has a habit of releasing videos of its conference, so perhaps we’ll eventually be able to see some of Navin Gupta‘s presentation.

If you asked if there was anybody else more qualified than Navin Gupta to lecture bankers about blockchain technology, I would be hard-pressed to give you a name. Maybe David Schwartz? But the list is very short; Navin Gupta seems naturally gifted in bringing complex topics into high relief using relate-able analogies and examples.


Escrow‘ is an exciting, native capability of the XRP Ledger: It allows anybody that owns XRP to send it to another wallet with the condition that it only be delivered after a specific date and time.

This capability was used by Ripple to lock away 55 billion XRP in 2017, to ensure that traders can accurately estimate the amount of XRP that the company has access to with regards to supply. Crypto consolidation sites like Coinmarketcap treat this escrow in various ways, from considering it ‘fully issued’ to considering only non-escrowed XRP to be ‘available’ for calculation of market capitalization.

Whichever camp you agree with, it’s been a significant amount of time since that original escrow contract was created in December of 2017. Since that time, Ripple has been accessing the released XRP and then choosing to use a portion of it each time, placing the remaining amount back into a cryptographic lock afterwards. In fact, so much time has passed that the amount of XRP ‘in escrow’ has now been reduced to below 50 billion XRP:


It was a milestone that was recognized by some in the XRP Community, and by various crypto websites.


Coil sponsored a competition to promote both web monetization and the new Coil blogging platform. The competition was held as a part of the ‘js13kGames,’ which is a competition that focuses on HTML5 -related games. Each competitor in the competition must use technology that conforms to the contest rules, and the most important rule is that the code and its source files should be contained in a zip file that is no larger than 13 kilobytes.

Just for reference, the previous paragraph, when saved, takes up approximately one-half of one KB.

This game size limitation motivates the developer to use various packaging techniques to enlarge the size of the base file that they can use to house the game code.

For the js13kGames competition, the developer has to follow some other basic rules, and has one month, from August 13ᵗʰ through September 13ᵗʰ, to complete the game; at the time of this writing, the competition has now just recently ended, so we can take a look at the complete list of submitted games. Forty-eight games were submitted as part of the web monetization category.


js13kGames divides the competition into categories, depending on the interest of the developer. In this iteration of the competition, Coil sponsored their own category (web monetization), and pledged a prize for all competitors: a six-month free Coil subscription.

To help with the competition, both Nathan Lie, a Software Engineer from Coil, and Yuriy Dybskiy, one of the co-founders of PUMA, volunteered as experts available to help with the competition:


When you take a look at the final submissions by the developers, you might be surprised at the level of entertainment from some of these compact games: I tried out a couple of them, and found myself immediately engaged and having fun. Coil sent out a tweet about the competition as it drew to a close:


The game designers were encouraged to provide ‘extras’ for those Coil subscribers that played the games; it was an obvious precursor to various strategies of how websites and coders can configure their content to have various behaviors based on whether an end-user is a Coil subscriber or not. The competition, along with its emphasis on integrating premium content, served as yet another example of the type of creative leadership that we’ve come to expect from the talented individuals comprising the team at Coil.

My Coil Recommendations

I managed to browse some new Coil contributors over the last week, and some of them are included here for your benefit; I’ve provided a link to one of the author’s articles, as well as their home page and the category that seems to define the content of their article.

Note that the ‘topic’ is my own subjective categorization:

Author: Ken [email protected]
Article: The 30-Day Coil Blogging Challenge
Topic: Blogging Contest

Author: [email protected]
Article: The use of Paracetamol(acetaminophen) to suppress fever – is there a role?
Topic: Health

Author: Patrícia [email protected]
Article: The wonders of cheap Vacation!
Topic: Travel

Author: AJ [email protected]
Article: The History Of Us
Topic: Science

Author: [email protected]
Article: Participation in the “OECD Global Blockchain Policy Forum 2019”
Topic: Blockchain

Coil is gaining momentum; additional authors are joining the platform daily now, and each of us on the blogging site are becoming better at integrating premium content into our posts. If you’ve already signed up as a Coil subscriber, then thank you; if you are still on the fence, I would ask that you try it out for a few months to see if you benefit from any of the premium content. It’s a low-risk experiment on your part: For only $5 dollars, you will benefit from premium information, content, and entertainment.

And the selection of premium content is only going to become more compelling as the ecosystem grows. To try out Coil, click here:

XRP News

One of the data points that many XRP fans take for granted is the flawless closing of XRP Ledgers; from the dawn of when the first XRP was ever created, to the one that just closed as you are reading this sentence. The ledgers close in less than four seconds; usually a new one is created every ~ 3.9 seconds, depending on various factors.

Over time, this equates to a LOT of ledgers.

The XRP Community has celebrated various milestones, including the thirty million and the forty million ledger mark. And now, on September 13ᵗʰ, the fifty millionth ledger was closed:


Congratulations to each person in the XRP Community that has a stake in the health and robustness of the XRP network.

XRP Meetup: Japan

More details have now become available about the Japanese meetup:


The XRP meetup will take place in Ginza, Tokyo on November 10ᵗʰ, from 1 p.m. to 5 p.m. Along with the additional information, the artistic website also revealed some eye-catching profiles of various attendees, including Tiffany Hayden, David Schwartz, and others:


In the above picture, you may not recognize one of the attendees: Masashi Nakajima (@nakajipark on Twitter). He is an expert in international remittance and is an ex-banker from the Bank of Japan (BoJ) and the Bank of International Settlement (BIS). He’s published a book about his perspectives, titled ‘After Bitcoin,’ that explains concepts related to SWIFT, CBDCs, and RippleNet. The organizers have set aside a specific time for him to talk.

The official site has also posted a detailed agenda, along with a link to an application form where people can register to attend:

Note that the attendee list is already quite large, and is heavily-skewed towards the Japanese portion of the demographic composition of the XRP Community. It’s a great opportunity for the two separate communities to mingle a bit and interact – and I’m impressed with the list of influential names already planning on attending!

Thanks to @tenitoshi (Twitter avatar) for sending me a DM (Direct Message) over Twitter about the updated information.

Hot Pocket

When those in the West saw the name of Richard Holland‘s new creation, my guess is that they immediately thought of ‘Hot Pockets,’ the processed, ready-made food that resembles pizza surrounded by pie crust.

This ‘Hot Pocket‘ is completely different, however; it refers to a new network that can process and distribute inputs and results from smart contracts:


The idea is that each node in Hot Pocket forms a network collaboratively, and exists within the confines of Codius host(s):


Above is my own rendering of my intuitive understanding of the way that Hot Pocket would run; each node in that diagram is hosted on a Codius Host. And each node of Hot Pocket is connecting to other nodes; each node is a stakeholder to the same smart contract, and form a network to distribute the inputs, state, and outcome of the smart contract.

The developer who created Hot Pocket is the same creator of the Toast XRP Wallet, Richard Holland, so he’s very well-versed in how the XRP Ledger communicates and operates. When I contacted him to find out more about Hot Pocket, he provided additional background:

“𝘊𝘰𝘥𝘪𝘶𝘴 𝘢𝘵 𝘵𝘩𝘦 𝘮𝘰𝘮𝘦𝘯𝘵 𝘪𝘴 𝘫𝘶𝘴𝘵 𝘢 𝘴𝘵𝘢𝘯𝘥𝘢𝘳𝘥𝘪𝘻𝘦𝘥 𝘸𝘢𝘺 𝘰𝘧 𝘰𝘣𝘵𝘢𝘪𝘯𝘪𝘯𝘨 𝘩𝘰𝘴𝘵𝘪𝘯𝘨. 𝘐𝘵’𝘴 𝘯𝘰𝘵 𝘢 𝘴𝘮𝘢𝘳𝘵 𝘤𝘰𝘯𝘵𝘳𝘢𝘤𝘵 𝘱𝘭𝘢𝘵𝘧𝘰𝘳𝘮. 𝘚𝘰 𝘐 𝘤𝘢𝘯 𝘨𝘰 𝘰𝘶𝘵 𝘢𝘯𝘥 𝘩𝘰𝘴𝘵 𝘮𝘺 𝘸𝘦𝘣𝘴𝘪𝘵𝘦 𝘰𝘯 5 𝘳𝘢𝘯𝘥𝘰𝘮 𝘊𝘰𝘥𝘪𝘶𝘴 𝘯𝘰𝘥𝘦𝘴 𝘣𝘶𝘵 𝘵𝘩𝘦𝘳𝘦’𝘴 𝘢 𝘮𝘢𝘴𝘴𝘪𝘷𝘦 𝘨𝘢𝘱 𝘣𝘦𝘵𝘸𝘦𝘦𝘯 𝘵𝘩𝘢𝘵 𝘢𝘯𝘥 𝘢 𝘥𝘦𝘤𝘦𝘯𝘵𝘳𝘢𝘭𝘪𝘻𝘦𝘥 𝘴𝘦𝘳𝘷𝘪𝘤𝘦. 𝘏𝘰𝘸 𝘥𝘰 𝘵𝘩𝘦 5 𝘯𝘰𝘥𝘦𝘴 𝘵𝘢𝘭𝘬 𝘵𝘰 𝘦𝘢𝘤𝘩 𝘰𝘵𝘩𝘦𝘳 𝘢𝘯𝘥 𝘵𝘰 𝘶𝘴𝘦𝘳𝘴 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘫𝘶𝘴𝘵 𝘣𝘦𝘪𝘯𝘨 5 𝘪𝘯𝘥𝘦𝘱𝘦𝘯𝘥𝘦𝘯𝘵 𝘤𝘰𝘱𝘪𝘦𝘴 𝘰𝘧 𝘺𝘰𝘶𝘳 𝘱𝘳𝘰𝘨𝘳𝘢𝘮?

𝘊𝘰𝘥𝘪𝘶𝘴 𝘪𝘴 𝘫𝘶𝘴𝘵 𝘢 𝘸𝘢𝘺 𝘰𝘧 𝘰𝘣𝘵𝘢𝘪𝘯𝘪𝘯𝘨 𝘩𝘰𝘴𝘵𝘪𝘯𝘨 𝘱𝘳𝘰𝘨𝘳𝘢𝘮𝘮𝘢𝘵𝘪𝘤𝘢𝘭𝘭𝘺.

𝘈𝘵 𝘵𝘩𝘦 𝘮𝘰𝘮𝘦𝘯𝘵 𝘪𝘧 𝘺𝘰𝘶 𝘸𝘢𝘯𝘵 𝘵𝘰 𝘩𝘪𝘳𝘦 𝘴𝘰𝘮𝘦 𝘵𝘪𝘮𝘦 𝘰𝘯 𝘢 𝘴𝘦𝘳𝘷𝘦𝘳 𝘪𝘦 𝘢 𝘷𝘱𝘴 𝘺𝘰𝘶 𝘩𝘢𝘷𝘦 𝘵𝘰 𝘶𝘴𝘦 𝘢 𝘴𝘦𝘵 𝘰𝘧 𝘩𝘶𝘮𝘢𝘯 𝘶𝘴𝘦𝘳 𝘪𝘯𝘵𝘦𝘳𝘧𝘢𝘤𝘦𝘴 𝘵𝘰 𝘴𝘪𝘨𝘯 𝘶𝘱 𝘵𝘰 𝘢 𝘩𝘰𝘴𝘵 𝘢𝘯𝘥 𝘵𝘩𝘦𝘯 𝘣𝘶𝘺 𝘩𝘰𝘴𝘵𝘪𝘯𝘨 𝘸𝘪𝘵𝘩 𝘵𝘩𝘢𝘵 𝘩𝘰𝘴𝘵, 𝘢𝘯𝘥 𝘵𝘩𝘰𝘴𝘦 𝘪𝘯𝘵𝘦𝘳𝘧𝘢𝘤𝘦𝘴 𝘢𝘳𝘦 𝘥𝘪𝘧𝘧𝘦𝘳𝘦𝘯𝘵 𝘢𝘵 𝘦𝘢𝘤𝘩 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘺𝘰𝘶 𝘨𝘰 𝘵𝘰.

𝘊𝘰𝘥𝘪𝘶𝘴 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘴 𝘢 𝘴𝘵𝘢𝘯𝘥𝘢𝘳𝘥 𝘈𝘗𝘐 𝘵𝘰 𝘣𝘶𝘺 𝘩𝘰𝘴𝘵𝘪𝘯𝘨 𝘧𝘳𝘰𝘮 𝘩𝘰𝘴𝘵𝘪𝘯𝘨 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘳𝘴.

… 𝘯𝘰𝘸 𝘢 𝘱𝘳𝘰𝘨𝘳𝘢𝘮 𝘳𝘢𝘵𝘩𝘦𝘳 𝘵𝘩𝘢𝘯 𝘢 𝘩𝘶𝘮𝘢𝘯 𝘤𝘢𝘯 𝘣𝘶𝘺 𝘩𝘰𝘴𝘵𝘪𝘯𝘨. 𝘉𝘶𝘵 𝘊𝘰𝘥𝘪𝘶𝘴 𝘪𝘴𝘯’𝘵 𝘢 𝘴𝘮𝘢𝘳𝘵 𝘤𝘰𝘯𝘵𝘳𝘢𝘤𝘵 𝘱𝘭𝘢𝘵𝘧𝘰𝘳𝘮 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘢 𝘤𝘰𝘯𝘴𝘦𝘯𝘴𝘶𝘴 𝘦𝘯𝘨𝘪𝘯𝘦. 𝘚𝘰 𝘵𝘩𝘦 𝘪𝘥𝘦𝘢𝘭 𝘴𝘵𝘢𝘤𝘬 𝘪𝘴: 𝘚𝘮𝘢𝘳𝘵 𝘤𝘰𝘯𝘵𝘳𝘢𝘤𝘵 𝘳𝘶𝘯𝘴 𝘰𝘯 𝘩𝘰𝘵 𝘱𝘰𝘤𝘬𝘦𝘵 𝘳𝘶𝘯𝘴 𝘰𝘯 𝘢 𝘣𝘶𝘯𝘤𝘩 𝘰𝘧 𝘊𝘰𝘥𝘪𝘶𝘴 𝘯𝘰𝘥𝘦𝘴.

𝘛𝘩𝘦 𝘯𝘪𝘤𝘦 𝘵𝘩𝘪𝘯𝘨 𝘢𝘣𝘰𝘶𝘵 𝘵𝘩𝘢𝘵 𝘴𝘦𝘵𝘶𝘱 𝘪𝘴 𝘵𝘩𝘦𝘰𝘳𝘦𝘵𝘪𝘤𝘢𝘭𝘭𝘺 𝘺𝘰𝘶𝘳 𝘴𝘮𝘢𝘳𝘵 𝘤𝘰𝘯𝘵𝘳𝘢𝘤𝘵 𝘤𝘢𝘯 𝘱𝘢𝘺 𝘧𝘰𝘳 𝘪𝘵𝘴 𝘰𝘸𝘯 𝘩𝘰𝘴𝘵𝘪𝘯𝘨 𝘢𝘯𝘥 𝘢𝘤𝘲𝘶𝘪𝘳𝘦 𝘯𝘦𝘸 𝘊𝘰𝘥𝘪𝘶𝘴 𝘯𝘰𝘥𝘦𝘴 𝘪𝘧 𝘦𝘹𝘪𝘴𝘵𝘪𝘯𝘨 𝘰𝘯𝘦𝘴 𝘨𝘰 𝘥𝘰𝘸𝘯.”

He also provided a little background about what prompted his interest in creating Hot Pocket:

“𝘛𝘰 𝘣𝘦 𝘩𝘰𝘯𝘦𝘴𝘵, 𝘢𝘭𝘭 𝘵𝘩𝘦 𝘴𝘮𝘢𝘳𝘵 𝘤𝘰𝘯𝘵𝘳𝘢𝘤𝘵 𝘱𝘭𝘢𝘵𝘧𝘰𝘳𝘮𝘴 𝘐’𝘷𝘦 𝘴𝘦𝘦𝘯 𝘩𝘢𝘷𝘦 𝘣𝘦𝘦𝘯 𝘩𝘰𝘵 𝘨𝘢𝘳𝘣𝘢𝘨𝘦. 𝘞𝘢𝘭𝘭𝘦𝘥 𝘨𝘢𝘳𝘥𝘦𝘯 𝘱𝘳𝘰𝘣𝘭𝘦𝘮 𝘦𝘷𝘦𝘳𝘺 𝘵𝘪𝘮𝘦.

𝘊𝘰𝘯𝘵𝘳𝘢𝘤𝘵𝘴 𝘯𝘦𝘦𝘥 𝘵𝘰 𝘣𝘦 𝘳𝘦𝘢𝘭 𝘱𝘳𝘰𝘨𝘳𝘢𝘮𝘴 𝘵𝘩𝘢𝘵 𝘤𝘢𝘯 𝘪𝘯𝘵𝘦𝘳𝘢𝘤𝘵 𝘸𝘪𝘵𝘩 𝘵𝘩𝘦 𝘳𝘦𝘢𝘭 𝘸𝘰𝘳𝘭𝘥. 𝘕𝘰𝘵 𝘧𝘢𝘬𝘦 𝘱𝘳𝘰𝘨𝘳𝘢𝘮𝘴 𝘳𝘶𝘯𝘯𝘪𝘯𝘨 𝘪𝘯 𝘢 𝘧𝘢𝘬𝘦 𝘸𝘰𝘳𝘭𝘥. 𝘉𝘢𝘴𝘪𝘤𝘢𝘭𝘭𝘺 𝘪𝘧 𝘺𝘰𝘶𝘳 𝘴𝘮𝘢𝘳𝘵 𝘤𝘰𝘯𝘵𝘳𝘢𝘤𝘵 𝘤𝘢𝘯’𝘵 𝘱𝘩𝘰𝘯𝘦 𝘺𝘰𝘶 𝘶𝘱, 𝘪𝘵’𝘴 𝘯𝘰𝘵 𝘧𝘳𝘦𝘦 𝘦𝘯𝘰𝘶𝘨𝘩 𝘵𝘰 𝘣𝘦 𝘶𝘴𝘦𝘧𝘶𝘭.

𝘐’𝘷𝘦 𝘸𝘢𝘯𝘵𝘦𝘥 𝘵𝘰 𝘥𝘰 𝘢 𝘴𝘮𝘢𝘳𝘵 𝘤𝘰𝘯𝘵𝘳𝘢𝘤𝘵 𝘴𝘰𝘭𝘶𝘵𝘪𝘰𝘯 𝘧𝘰𝘳 𝘟𝘙𝘗𝘓 𝘧𝘰𝘳 𝘲𝘶𝘪𝘵𝘦 𝘢 𝘸𝘩𝘪𝘭𝘦 𝘣𝘶𝘵 𝘩𝘢𝘷𝘪𝘯𝘨 𝘢 𝘳𝘦𝘢𝘭 𝘸𝘰𝘳𝘭𝘥 𝘶𝘴𝘦 𝘤𝘢𝘴𝘦 𝘧𝘰𝘳 𝘪𝘵 𝘸𝘢𝘴 𝘮𝘰𝘵𝘪𝘷𝘢𝘵𝘪𝘯𝘨 (𝘮𝘦).”

After looking into a possible solution that would lock his idea tightly with XRP, he decided instead to think about smart contracts as completely separate entities from a specific settlement layer.

He then went in a new direction:

“… 𝘐𝘵 𝘰𝘶𝘵 𝘰𝘧 𝘯𝘦𝘤𝘦𝘴𝘴𝘪𝘵𝘺 𝘣𝘦𝘤𝘢𝘶𝘴𝘦 (𝘳𝘦𝘥𝘢𝘤𝘵𝘦𝘥) 𝘢𝘯𝘥 𝘐 𝘢𝘳𝘦 𝘣𝘶𝘪𝘭𝘥𝘪𝘯𝘨 𝘢𝘯 𝘪𝘥𝘦𝘯𝘵𝘪𝘵𝘺 𝘴𝘰𝘭𝘶𝘵𝘪𝘰𝘯 𝘢𝘯𝘥 𝘸𝘦 𝘯𝘦𝘦𝘥𝘦𝘥 𝘢 𝘴𝘮𝘢𝘳𝘵 𝘤𝘰𝘯𝘵𝘳𝘢𝘤𝘵 𝘱𝘭𝘢𝘵𝘧𝘰𝘳𝘮 𝘵𝘩𝘢𝘵 𝘸𝘪𝘭𝘭 𝘸𝘰𝘳𝘬 𝘸𝘪𝘵𝘩 𝘵𝘩𝘦 𝘟𝘙𝘗𝘓.”

𝘚𝘵𝘢𝘬𝘦𝘩𝘰𝘭𝘥𝘦𝘳𝘴 𝘤𝘢𝘯 𝘳𝘶𝘯 𝘵𝘩𝘦𝘪𝘳 𝘰𝘸𝘯 𝘯𝘰𝘥𝘦𝘴 𝘸𝘩𝘪𝘤𝘩 𝘸𝘪𝘭𝘭 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘵𝘩𝘦𝘪𝘳 𝘰𝘸𝘯 𝘦𝘯𝘤𝘳𝘺𝘱𝘵𝘦𝘥 𝘴𝘵𝘰𝘳𝘦 𝘰𝘧 𝘐𝘋 𝘥𝘰𝘤𝘶𝘮𝘦𝘯𝘵𝘴. 𝘌𝘢𝘤𝘩 𝘴𝘮𝘢𝘳𝘵 𝘤𝘰𝘯𝘵𝘳𝘢𝘤𝘵 𝘴𝘩𝘰𝘶𝘭𝘥 𝘣𝘦 𝘪𝘵𝘴 𝘰𝘸𝘯 𝘣𝘭𝘰𝘤𝘬𝘤𝘩𝘢𝘪𝘯.”

When it comes to smart contracts, Ripple was wise to be patient.

Given some of the analysis and comments from Richard Holland, it makes me wonder how smart contracts will eventually be used to process financial information and contracts.

If the solution and platform are done correctly, it should usher in an era of creative new business models, revenue streams, and even derivative markets.

Congratulations to Richard Holland on his creation, and perhaps we’ll learn more about the project he’s working on with another XRP Community member.

Swipe Wallet

SWIPE is an ICO-financed, European exchange platform, mobile wallet, and debit card. The company has offices in the UK and in Estonia.

On September 14ᵗʰ, an XRP Community member, @RipplePandaXRP, noted that the platform had added support for XRP:


He’s right: SWIPE’s official Twitter account and marketing does indeed indicate support for XRP. It’s great to see another company willing to enter the cryptomarket with bridges to the world of traditional finance. SWIPE, like some other blockchain-based payment platforms, supports bank account integration and dynamic payment processing of crypto-based accounts.

It’s one more exchange – and payment platform – that now supports the needs of retail owners of XRP.

Seven Ways

Participants in the cryptomarket need to awaken and realize that there is one digital asset in the mix that will usher blockchain technology into a future of true business utility.

While its primary use case – its use as a bridge currency – is measurable only with the assistance of extremely large numbers, other uses are now forming into sharp relief as well; it’s these alternative use cases that might actually challenge or even eclipse the demand for XRP from its primary use case.

To stay apprised on all the ways that XRP is achieving new levels of utility, subscribe to my blog on Coil; and if you haven’t already done so, please consider purchasing a subscription to Coil. Coil streams XRP in small packets to content creators on its platform – and any other platform that is Coil-enabled. Purchasing a subscription to Coil helps grow the new market for web monetization, and hence, expands the demand for XRP.

The Internet of Value is being built by an immense explosion of energy, resources, activity, and talented people. This building is taking shape along each of the use case paths for XRP, all of which are large enough to result in material levels of demand for the fastest and most convenient digital asset on the planet: XRP


Credits: Thanks to Bruno Wolff for this blog’s cover art

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