During the long 'crypto winter,' we were witness to the negative characterization of crypto by mainstream media.

Countless times, they seemed to delight in labeling the cryptomarket as 'in a bubble,' or 'based only on speculation.'

Part of this was based on the percentage increases in the price of the digital assets that comprise the market. And the percentage increases are - and can be - astounding; however, all of the numbers we've seen thus far in relation to this new and growing asset category do not compare to the amount of capital that is part of everyday existence in the traditional halls of finance.

Look at Stripe.

Stripe is a fintech founded in 2010 that helps businesses process online payments. They have an entire suite of online and 'checkout' tools to assist online retailers.

Like Ripple, the company is based in San Francisco and counts a number of blue-chip companies as clients. They have not yet 'gone public,' but have instead, for the moment, decided to remain private, accessing capital through successive funding rounds:


Their latest funding round brought in $250 million in new funding.

But more amazing than its ability to raise cash through additional funding rounds is the company's growing market valuation, which is estimated to be around $35 billion dollars.

And Stripe is but one example of many in Silicon Valley. I've recently analyzed the possibility of what would happen if Ripple goes public; the valuation I used for that analysis was half of Stripe's estimated market value. These types of scenarios are very real, and serve to add a potential complication to what would otherwise be un-interrupted laser focus on building the IoV.

The flip side of these 'large numbers' and massive amounts of capital in traditional markets is that they also provide a measure of what we can eventually expect for the entire market of digital assets once the industry matures and plateaus as streaming technology and other capabilities are further developed. It took the Internet quite a few years before the major players with real use cases were identified apart from the 'noise' in the larger market.

XRP's use case is measured using numbers that are too large for the human mind to grasp; Ripple's own estimates indicate that there is approximately ten trillion dollars locked up in Nostro accounts overseas; and FinCen estimated that the ForEx market, when combined with other markets such as cross-border payments, accounts for trillions of dollars' worth of value each day.

It's unclear what percentage of this traffic is currently a part of RippleNet, and it's also unclear what percentage of these numbers will eventually settle through the XRP Ledger; however, the percentages don't have to be large to have a profound effect on where the price levels of digital assets like XRP will plateau. The numbers of payments flowing through xRapid is increasing week-over-week; and it looks like XRP is going to be the 'standard' when it comes to payment streaming as well, with Coil announcing recently that they'd processed over 10 billion payments using standards-based technology.

The cryptomarket is shifting its focus to digital assets with utility, and chief among them is the one created for cross-border payments and real-time streaming of value: XRP

General Crypto News

On September 20แต—สฐ, a number of mainstream news outlets reported that CME Group was planning on extending its offerings to include 'options' on its Bitcoin futures. This decision will increase the number of ways in which traditional investors can access returns based on the cryptomarket:


Financial products such as futures or options allow organizations to hedge their risk exposure while owning digital assets. The more that these products are available on a competitive basis, the more that conservative businesses such as banks can effectively manage their risk while holding these assets.

This strategy - holding a volatile asset and then hedging risk by betting against it - is a frequent way to minimize financial exposure.

In addition, new financial products such as options and futures allow any trader to purchase them and take calculated positions either 'long' or 'short,' adding more liquidity into the overall cryptomarket.

While these developments may seem opaque to some crypto owners, it's a collective indication of how crypto is becoming more connected to significant sources of liquidity and finance. Another major development that is scheduled for September is the introduction of Bakkt's physically-delivered Bitcoin futures.

Bakkt's debut is scheduled for September 23สณแตˆ.

Ripple News

Ripple's corporate website underwent a design makeover last week:


The new design promotes 'RippleNet' to a more appropriate central location on the site, occupying the first drop-down interface on the main page. Ripple has also decided to use its home page to publish a combination of compelling customer testimonials along with an easy-to-follow path for investigating RippleNet:


This well-defined and friendly introduction to joining RippleNet is important for the company's next phase of growth, and provides a nice user interface for potential customers.

In addition to this impressive redesign of its corporate website, Ripple also, perhaps unintentionally, revealed two new customers that were not publicized prior to the fresh content. An XRP fan noticed two names that they'd not seen before:

  • Interbank
  • Vitesse

Interbank: Interbank is a Peruvian bank founded in 1897. It's one of the largest banks in Peru, alongside BBVA, Scotiabank Peru, and BCP. It's a serious competitor in the financial sector, with 230 branches and over 1,500 ATMs.


Vitesse: Vitesse is a UK-based bank founded in 2013 and licensed by the Financial Conduct Authority. While I don't have a good idea of how large Vitesse is, it's obvious that it is targeting services at connecting new fintechs with traditional banking and regulatory compliance. It offers services geared for establishing a compliant way for developers to deploy P2P applications and other platforms.


We don't know what Ripple solutions these two banks are using, but the conservative guess is that they're at least using xCurrent, the Ripple messaging software that replaces SWIFT and supports real-time settlement.

Ripple is already on-boarding banks with increasing frequency, and hopefully this new site design accelerates the trend even further, and helps the world achieve a full replacement for all legacy SWIFT customers.

KPMG Future of Payments

KPMG is one of the 'big four' consulting firms. As part of its value proposition for high-end customers, the partnership conducts industry research in high-tech fields and in fintech areas to help inform their clients about new technology. The firm recently conducted a series of interviews with influential individuals in both fintech and in payments, and shared the videos on their corporate website:


Professionals from PayPal, MUFG, Mastercard, and Ripple participated in the interviews, with Marcus Treacher providing a two-minute introduction for how Ripple can help organizations free up liquidity:

"๐˜›๐˜ฉ๐˜ฆ ๐˜ธ๐˜ฐ๐˜ณ๐˜ญ๐˜ฅ ๐˜ฉ๐˜ข๐˜ด ๐˜ข ๐˜ท๐˜ฆ๐˜ณ๐˜บ ๐˜ฃ๐˜ช๐˜จ ๐˜ญ๐˜ช๐˜ฒ๐˜ถ๐˜ช๐˜ฅ๐˜ช๐˜ต๐˜บ ๐˜ฑ๐˜ณ๐˜ฐ๐˜ฃ๐˜ญ๐˜ฆ๐˜ฎ ๐˜ต๐˜ฐ๐˜ฅ๐˜ข๐˜บ. ๐˜ž๐˜ฉ๐˜ข๐˜ต'๐˜ด ๐˜ฉ๐˜ข๐˜ฑ๐˜ฑ๐˜ฆ๐˜ฏ๐˜ช๐˜ฏ๐˜จ ๐˜ช๐˜ด ๐˜ต๐˜ฉ๐˜ข๐˜ต ๐˜ค๐˜ฐ๐˜ฎ๐˜ฑ๐˜ข๐˜ฏ๐˜ช๐˜ฆ๐˜ด ๐˜ข๐˜ฏ๐˜ฅ ๐˜ฃ๐˜ข๐˜ฏ๐˜ฌ๐˜ด ๐˜ฉ๐˜ข๐˜ท๐˜ฆ ๐˜ต๐˜ฐ ๐˜ฎ๐˜ข๐˜ช๐˜ฏ๐˜ต๐˜ข๐˜ช๐˜ฏ ๐˜ต๐˜ณ๐˜ช๐˜ญ๐˜ญ๐˜ช๐˜ฐ๐˜ฏ๐˜ด ๐˜ฐ๐˜ง ๐˜ฅ๐˜ฐ๐˜ญ๐˜ญ๐˜ข๐˜ณ๐˜ด ๐˜ช๐˜ฏ ๐˜ฐ๐˜ท๐˜ฆ๐˜ณ๐˜ด๐˜ฆ๐˜ข๐˜ด ๐˜ข๐˜ด๐˜ด๐˜ฆ๐˜ต๐˜ด ๐˜ข๐˜ณ๐˜ฐ๐˜ถ๐˜ฏ๐˜ฅ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ธ๐˜ฐ๐˜ณ๐˜ญ๐˜ฅ ๐˜ต๐˜ฐ ๐˜ง๐˜ถ๐˜ฏ๐˜ฅ ๐˜ต๐˜ฉ๐˜ฆ๐˜ด๐˜ฆ ๐˜ท๐˜ฆ๐˜ณ๐˜บ ๐˜ด๐˜ญ๐˜ฐ๐˜ธ-๐˜ฎ๐˜ฐ๐˜ท๐˜ช๐˜ฏ๐˜จ, ๐˜ฉ๐˜ช๐˜จ๐˜ฉ-๐˜ท๐˜ข๐˜ญ๐˜ถ๐˜ฆ, ๐˜ฒ๐˜ถ๐˜ช๐˜ต๐˜ฆ ๐˜ญ๐˜ฐ๐˜ธ-๐˜ท๐˜ฐ๐˜ญ๐˜ถ๐˜ฎ๐˜ฆ ๐˜ฑ๐˜ข๐˜บ๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต๐˜ด ๐˜ต๐˜ฉ๐˜ข๐˜ต ๐˜ข๐˜ณ๐˜ฆ ๐˜ฎ๐˜ฐ๐˜ท๐˜ช๐˜ฏ๐˜จ ๐˜ข๐˜ณ๐˜ฐ๐˜ถ๐˜ฏ๐˜ฅ ๐˜ฅ๐˜ข๐˜บ-๐˜ต๐˜ฐ-๐˜ฅ๐˜ข๐˜บ.

๐˜ˆ๐˜ฏ๐˜ฅ ๐˜ต๐˜ฉ๐˜ข๐˜ต ๐˜ค๐˜ณ๐˜ฆ๐˜ข๐˜ต๐˜ฆ๐˜ด ๐˜ข๐˜ฏ ๐˜ฆ๐˜ฏ๐˜ฐ๐˜ณ๐˜ฎ๐˜ฐ๐˜ถ๐˜ด ๐˜ฅ๐˜ณ๐˜ข๐˜จ ๐˜ฐ๐˜ฏ ๐˜ต๐˜ฉ๐˜ฆ ๐˜จ๐˜ญ๐˜ฐ๐˜ฃ๐˜ข๐˜ญ ๐˜ฆ๐˜ค๐˜ฐ๐˜ฏ๐˜ฐ๐˜ฎ๐˜บ, ๐˜ช๐˜ต'๐˜ด ๐˜ต๐˜ช๐˜ฆ๐˜ฅ ๐˜ถ๐˜ฑ ๐˜ค๐˜ข๐˜ฑ๐˜ช๐˜ต๐˜ข๐˜ญ; ๐˜ช๐˜ต'๐˜ด ๐˜ต๐˜ช๐˜ฆ๐˜ฅ ๐˜ถ๐˜ฑ ๐˜ฎ๐˜ฐ๐˜ฏ๐˜ฆ๐˜บ;

๐˜•๐˜ฐ๐˜ธ ๐˜ธ๐˜ฆ ๐˜ต๐˜ฉ๐˜ช๐˜ฏ๐˜ฌ ๐˜ธ๐˜ฆ ๐˜ค๐˜ข๐˜ฏ ๐˜ด๐˜ฐ๐˜ญ๐˜ท๐˜ฆ ๐˜ต๐˜ฉ๐˜ข๐˜ต ๐˜ฑ๐˜ณ๐˜ฐ๐˜ฃ๐˜ญ๐˜ฆ๐˜ฎ ๐˜ฃ๐˜บ ๐˜ณ๐˜ฆ๐˜ต๐˜ฉ๐˜ช๐˜ฏ๐˜ฌ๐˜ช๐˜ฏ๐˜จ ๐˜ฉ๐˜ฐ๐˜ธ ๐˜ญ๐˜ช๐˜ฒ๐˜ถ๐˜ช๐˜ฅ๐˜ช๐˜ต๐˜บ ๐˜ช๐˜ด ๐˜ฅ๐˜ฆ๐˜ญ๐˜ช๐˜ท๐˜ฆ๐˜ณ๐˜ฆ๐˜ฅ ๐˜ต๐˜ฐ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ฆ๐˜ฏ๐˜ฅ-๐˜ถ๐˜ด๐˜ฆ๐˜ณ. ๐˜›๐˜ฐ ๐˜ฅ๐˜ฐ ๐˜ต๐˜ฉ๐˜ข๐˜ต, ๐˜ธ๐˜ฆ ๐˜ข๐˜ณ๐˜ฆ ๐˜ฅ๐˜ฆ๐˜ท๐˜ฆ๐˜ญ๐˜ฐ๐˜ฑ๐˜ช๐˜ฏ๐˜จ ๐˜ด๐˜ฐ๐˜ญ๐˜ถ๐˜ต๐˜ช๐˜ฐ๐˜ฏ๐˜ด ๐˜ข๐˜ณ๐˜ฐ๐˜ถ๐˜ฏ๐˜ฅ ๐˜ฅ๐˜ช๐˜จ๐˜ช๐˜ต๐˜ข๐˜ญ ๐˜ข๐˜ด๐˜ด๐˜ฆ๐˜ต๐˜ด.

๐˜๐˜ฐ๐˜ณ ๐˜ฆ๐˜น๐˜ข๐˜ฎ๐˜ฑ๐˜ญ๐˜ฆ, ๐˜ธ๐˜ฆ ๐˜ถ๐˜ด๐˜ฆ ๐˜Ÿ๐˜™๐˜— ๐˜ข๐˜ด ๐˜ข ๐˜ฅ๐˜ช๐˜จ๐˜ช๐˜ต๐˜ข๐˜ญ ๐˜ข๐˜ด๐˜ด๐˜ฆ๐˜ต; ๐˜ช๐˜ต'๐˜ด ๐˜ฅ๐˜ฆ๐˜ด๐˜ช๐˜จ๐˜ฏ๐˜ฆ๐˜ฅ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ง๐˜ช๐˜ฏ๐˜ฆ-๐˜ต๐˜ถ๐˜ฏ๐˜ฆ๐˜ฅ ๐˜ง๐˜ฐ๐˜ณ ๐˜ฆ๐˜ฏ๐˜ฐ๐˜ณ๐˜ฎ๐˜ฐ๐˜ถ๐˜ด ๐˜ฉ๐˜ช๐˜จ๐˜ฉ-๐˜ด๐˜ฑ๐˜ฆ๐˜ฆ๐˜ฅ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ช๐˜ฎ๐˜ฎ๐˜ฆ๐˜ฅ๐˜ช๐˜ข๐˜ต๐˜ฆ ๐˜ฅ๐˜ฆ๐˜ญ๐˜ช๐˜ท๐˜ฆ๐˜ณ๐˜บ ๐˜ฐ๐˜ง ๐˜ท๐˜ข๐˜ญ๐˜ถ๐˜ฆ ๐˜ง๐˜ณ๐˜ฐ๐˜ฎ ๐˜ฐ๐˜ฏ๐˜ฆ ๐˜ค๐˜ถ๐˜ณ๐˜ณ๐˜ฆ๐˜ฏ๐˜ค๐˜บ ๐˜ต๐˜ฐ ๐˜ข๐˜ฏ๐˜ฐ๐˜ต๐˜ฉ๐˜ฆ๐˜ณ."

He also emphasized 'openness' of the future payment system as being a key factor; it was a nod to the interoperability that open standards like Interledger provide.

Seeing Ripple in the mix with some of these other payment industry trend-setters is a reflection of positive progress towards the Internet of Value and real-time settlement of digital transactions. My guess is that the other 'big four' consulting firms are also researching these same trends, and it wouldn't surprise me to see some of Marcus Treacher's insights quoted by other consultancies as well.

Legal Matters

Every startup deals with lawsuits.

How they respond to lawsuits is important, because normally successful startups are pioneering new innovations, approaches, or websites. This sort of new activity will inevitably encounter areas of public interaction that result in unforeseen outcomes, both positive and negative. And in some case, opportunists will bring what are known as 'nuisance' lawsuits.

Whatever category you believe the lawsuits against Ripple fall into, they are a reality that Ripple must contend with, and they've been diligently presenting their perspective in court over a considerable number of months. The latest newsworthy point happened on September 19แต—สฐ:


The link navigated to scribd, a platform that stores and displays legal documents.

Since the SEC chooses to allow court cases to decide on some key issues of security-related legal matters, the disposition of this and other cases against Ripple will have the unintended effect of setting legal precedents in the United States when it comes to what is regarded as a security and what is not.

Ripple's motion to dismiss has now been filed; when it comes to these legal proceedings, it's important for XRP fans to track the outcome, because lawsuits can sometimes positively or negatively affect business plans. In the case of Ripple, there will continue to be lawsuits occasionally just by nature of its role as a leader in blockchain technology; there are very few legal precedents related to this new industry.

And in this case, resolving some of these XRP-related lawsuits may assist in moving adoption of digital assets forward more quickly.


InstaReM is an xRapid and xVia partner with Ripple.

Because of its membership in RippleNet, and especially because of its use of xRapid, XRP fans actively track business developments associated with the company. InstaReM is a cross-border payment operator that was founded in 2014 in Singapore; it has offices throughout the world, in Singapore, Australia, Malaysia, Hong Kong, India, USA, Canada and the EU.

Because of its use of xRapid, its costs are some of the lowest on the market, and it competes successfully with other payment processors that use traditional SWIFT technology to transfer money using a multi-day turnaround time.

On September 3สณแตˆ, the company announced that they were expanding service into Canada:


The Canadian corridor is important, because a large number of ex-patriots from other InstaReM-serviced countries work there and send money back home to family. The company announced that they:

"... ๐˜ณ๐˜ฆ๐˜จ๐˜ช๐˜ด๐˜ต๐˜ฆ๐˜ณ๐˜ฆ๐˜ฅ ๐˜ข๐˜ด ๐˜ข ๐˜”๐˜ฐ๐˜ฏ๐˜ฆ๐˜บ ๐˜š๐˜ฆ๐˜ณ๐˜ท๐˜ช๐˜ค๐˜ฆ ๐˜‰๐˜ถ๐˜ด๐˜ช๐˜ฏ๐˜ฆ๐˜ด๐˜ด ๐˜ธ๐˜ช๐˜ต๐˜ฉ ๐˜ต๐˜ฉ๐˜ฆ ๐˜๐˜ช๐˜ฏ๐˜ข๐˜ฏ๐˜ค๐˜ช๐˜ข๐˜ญ ๐˜›๐˜ณ๐˜ข๐˜ฏ๐˜ด๐˜ข๐˜ค๐˜ต๐˜ช๐˜ฐ๐˜ฏ๐˜ด ๐˜ข๐˜ฏ๐˜ฅ ๐˜™๐˜ฆ๐˜ฑ๐˜ฐ๐˜ณ๐˜ต๐˜ด ๐˜ˆ๐˜ฏ๐˜ข๐˜ญ๐˜บ๐˜ด๐˜ช๐˜ด ๐˜Š๐˜ฆ๐˜ฏ๐˜ต๐˜ณ๐˜ฆ ๐˜ฐ๐˜ง ๐˜Š๐˜ข๐˜ฏ๐˜ข๐˜ฅ๐˜ข (๐˜๐˜๐˜•๐˜›๐˜™๐˜ˆ๐˜Š) ๐˜ต๐˜ฐ ๐˜ณ๐˜ฆ๐˜ฎ๐˜ช๐˜ต ๐˜ข๐˜ฏ๐˜ฅ ๐˜ต๐˜ณ๐˜ข๐˜ฏ๐˜ด๐˜ฎ๐˜ช๐˜ต ๐˜ง๐˜ถ๐˜ฏ๐˜ฅ๐˜ด ๐˜ฐ๐˜ถ๐˜ต ๐˜ฐ๐˜ง ๐˜Š๐˜ข๐˜ฏ๐˜ข๐˜ฅ๐˜ข."

It's great to see InstaReM expand its service into Canada; their use of RippleNet and specifically some of the products like xVia and xRapid have helped them to achieve low costs that allow them to successfully compete against the larger players. Kudos to the team at InstaReM, and hopefully we'll hear more from them about cost savings specifically attributable to their use of XRP.

xRapid Tracking

One of the XRP Community fans that has dedicated themselves to successfully identifying and tracking xRapid transaction volumes is @hmatejx (Twitter avatar).

He's continually updated his technical approach to sort through payments and filter them to get a data set of xRapid transactions. Once he's accessed this resulting data set, he's able to stratify the transactions by exchange. Here is a recent tweet from @hmatejx:


He's also invited others to help him identity transactions; to successfully sort them, he normally uses 'tags' associated with each exchange. Large exchanges, including the xRapid partner exchanges, use XRPL 'tags' to separate out amounts related to each customer. And it's these tags that allow H_M_X_ to successfully identity xRapid-related transactions.

To create these dramatic visualizations, he must first successfully identify data sets. His approaches, tools, and techniques are all described in his prior blogs, and in the Github repository he's created: https://github.com/hmatejx/xrapid_search

Quantum Questions

Are you worried about the potential security threat represented by quantum entanglement?


It's a strange topic.

Development of this 'spooky' tech has taken place on a combination of public-facing and 'dark' black budget projects that are seeking to capitalize on the potential processing capabilities of quantum computers.

Essentially, modern computers are limited by the speed of light, so there exists a point of diminishing returns in the creation of faster and faster silicon-based central processing units of computers. The new quantum computers use something called 'qubits' that are capable of storing two potential values at the same time.

The topic is a popular one with cutting-edge computer scientists and programmers, and Google even helped make an early-version quantum computer available to researchers, known as 'D-Wave.'

Even though the technology is still very much in research mode, there are those in the cryptomarket who are already using it to create fear, uncertainty, and doubt about some of the classical security algorithms used in current cryptography.

And occasionally, somebody that is not well-versed on the topic feels the need to expound on the hype surrounding the new technology:


Presidential candidate Andrew Yang tweeted out his concern over an article describing Google's 'Quantum supremacy.' In that tweet, he made the comment that 'no code is uncrackable.'

Before any serious FUD appeared around the topic, Nik Bougalis from Ripple did some research into the matter and communicated his thoughts in a recent multi-tweet. I've taken his responses from multiple tweets and combined them here:

"๐˜๐˜ตโ€™๐˜ด ๐˜š๐˜ข๐˜ต๐˜ถ๐˜ณ๐˜ฅ๐˜ข๐˜บ ๐˜ฏ๐˜ช๐˜จ๐˜ฉ๐˜ต. ๐˜โ€™๐˜ฎ ๐˜ข ๐˜ค๐˜ณ๐˜บ๐˜ฑ๐˜ต๐˜ฐ๐˜จ๐˜ณ๐˜ข๐˜ฑ๐˜ฉ๐˜ฆ๐˜ณ. ๐˜“๐˜ฆ๐˜ตโ€™๐˜ด ๐˜ฉ๐˜ข๐˜ท๐˜ฆ ๐˜ข ๐˜ค๐˜ฉ๐˜ข๐˜ต ๐˜ข๐˜ฃ๐˜ฐ๐˜ถ๐˜ต ๐˜ฒ๐˜ถ๐˜ข๐˜ฏ๐˜ต๐˜ถ๐˜ฎ ๐˜ค๐˜ฐ๐˜ฎ๐˜ฑ๐˜ถ๐˜ต๐˜ฆ๐˜ณ๐˜ด ๐˜ข๐˜ฏ๐˜ฅ ๐˜ค๐˜ณ๐˜บ๐˜ฑ๐˜ต๐˜ฐ.

๐˜Ž๐˜ฐ๐˜ฐ๐˜จ๐˜ญ๐˜ฆ ๐˜ฅ๐˜ช๐˜ฅ๐˜ฏโ€™๐˜ต ๐˜ซ๐˜ถ๐˜ด๐˜ต ๐˜ข๐˜ค๐˜ฉ๐˜ช๐˜ฆ๐˜ท๐˜ฆ ๐˜ฒ๐˜ถ๐˜ข๐˜ฏ๐˜ต๐˜ถ๐˜ฎ ๐˜ค๐˜ฐ๐˜ฎ๐˜ฑ๐˜ถ๐˜ต๐˜ช๐˜ฏ๐˜จ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ฆ๐˜ท๐˜ฆ๐˜ฏ ๐˜ช๐˜ง ๐˜ต๐˜ฉ๐˜ฆ๐˜บ ๐˜ข๐˜ฅ๐˜ท๐˜ข๐˜ฏ๐˜ค๐˜ฆ๐˜ฅ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ด๐˜ต๐˜ข๐˜ต๐˜ฆ ๐˜ฐ๐˜ง ๐˜ต๐˜ฉ๐˜ฆ ๐˜ข๐˜ณ๐˜ต, ๐˜ ๐˜ท๐˜ฆ๐˜ณ๐˜บ ๐˜ฎ๐˜ถ๐˜ค๐˜ฉ ๐˜ฅ๐˜ฐ๐˜ถ๐˜ฃ๐˜ต ๐˜ต๐˜ฉ๐˜ข๐˜ต ๐˜Ž๐˜ฐ๐˜ฐ๐˜จ๐˜ญ๐˜ฆ ๐˜ฉ๐˜ข๐˜ด ๐˜ข๐˜ค๐˜ฉ๐˜ช๐˜ฆ๐˜ท๐˜ฆ๐˜ฅ โ€œ๐˜ฒ๐˜ถ๐˜ข๐˜ฏ๐˜ต๐˜ถ๐˜ฎ ๐˜ด๐˜ถ๐˜ฑ๐˜ณ๐˜ฆ๐˜ฎ๐˜ข๐˜ค๐˜บโ€ ๐˜ช๐˜ฏ ๐˜ข ๐˜ฎ๐˜ฆ๐˜ข๐˜ฏ๐˜ช๐˜ฏ๐˜จ๐˜ง๐˜ถ๐˜ญ ๐˜ธ๐˜ข๐˜บ.

๐˜ž๐˜ช๐˜ต๐˜ฉ ๐˜ต๐˜ฉ๐˜ข๐˜ต ๐˜ด๐˜ข๐˜ช๐˜ฅ, ๐˜ฆ๐˜ท๐˜ฆ๐˜ฏ ๐˜ช๐˜ง ๐˜บ๐˜ฐ๐˜ถ ๐˜ฅ๐˜ฐ ๐˜จ๐˜ฆ๐˜ต ๐˜ฒ๐˜ถ๐˜ข๐˜ฏ๐˜ต๐˜ถ๐˜ฎ ๐˜ค๐˜ฐ๐˜ฎ๐˜ฑ๐˜ถ๐˜ต๐˜ฆ๐˜ณ๐˜ด, ๐˜ต๐˜ฐ ๐˜ด๐˜ข๐˜บ ๐˜ต๐˜ฉ๐˜ข๐˜ต '๐˜ฏ๐˜ฐ ๐˜ค๐˜ฐ๐˜ฅ๐˜ฆ ๐˜ช๐˜ด ๐˜ถ๐˜ฏ๐˜ค๐˜ณ๐˜ข๐˜ค๐˜ฌ๐˜ข๐˜ฃ๐˜ญ๐˜ฆ' ๐˜ช๐˜ด ๐˜ด๐˜ช๐˜ฎ๐˜ฑ๐˜ญ๐˜บ ๐˜ฏ๐˜ฐ๐˜ต ๐˜ต๐˜ณ๐˜ถ๐˜ฆ. ๐˜ ๐˜ฆ๐˜ด, (sic) ๐˜ฐ๐˜ง ๐˜ต๐˜ฉ๐˜ฆ ๐˜ค๐˜ณ๐˜บ๐˜ฑ๐˜ต๐˜ฐ ๐˜ข๐˜ญ๐˜จ๐˜ฐ๐˜ณ๐˜ช๐˜ต๐˜ฉ๐˜ฎ๐˜ด ๐˜ธ๐˜ฆ ๐˜ถ๐˜ด๐˜ฆ ๐˜ค๐˜ข๐˜ฏ ๐˜ฃ๐˜ฆ ๐˜ข๐˜ต๐˜ต๐˜ข๐˜ค๐˜ฌ๐˜ฆ๐˜ฅ ๐˜ฐ๐˜ฏ๐˜ค๐˜ฆ ๐˜จ๐˜ฆ๐˜ฏ๐˜ฆ๐˜ณ๐˜ข๐˜ญ ๐˜ฑ๐˜ถ๐˜ณ๐˜ฑ๐˜ฐ๐˜ด๐˜ฆ ๐˜ฒ๐˜ถ๐˜ข๐˜ฏ๐˜ต๐˜ถ๐˜ฎ ๐˜ค๐˜ฐ๐˜ฎ๐˜ฑ๐˜ถ๐˜ต๐˜ฆ๐˜ณ๐˜ด ๐˜ธ๐˜ช๐˜ต๐˜ฉ ๐˜ข ๐˜ด๐˜ถ๐˜ง๐˜ง๐˜ช๐˜ค๐˜ช๐˜ฆ๐˜ฏ๐˜ต ๐˜ฏ๐˜ถ๐˜ฎ๐˜ฃ๐˜ฆ๐˜ณ ๐˜ฐ๐˜ง ๐˜ฒ๐˜ถ๐˜ฃ๐˜ช๐˜ต๐˜ด ๐˜ข๐˜ณ๐˜ฆ ๐˜ข๐˜ท๐˜ข๐˜ช๐˜ญ๐˜ข๐˜ฃ๐˜ญ๐˜ฆ.

๐˜‰๐˜ถ๐˜ต ๐˜ธ๐˜ฆ ๐˜ข๐˜ณ๐˜ฆ๐˜ฏโ€™๐˜ต ๐˜ข๐˜ฏ๐˜บ๐˜ธ๐˜ฉ๐˜ฆ๐˜ณ๐˜ฆ ๐˜ฏ๐˜ฆ๐˜ข๐˜ณ ๐˜ต๐˜ฉ๐˜ข๐˜ต ๐˜ข๐˜ฏ๐˜ฅ ๐˜ ๐˜ฅ๐˜ฐ๐˜ฏโ€™๐˜ต ๐˜ด๐˜ฆ๐˜ฆ ๐˜จ๐˜ฆ๐˜ต๐˜ต๐˜ช๐˜ฏ๐˜จ ๐˜ต๐˜ฉ๐˜ฆ๐˜ณ๐˜ฆ ๐˜ด๐˜ฐ๐˜ฐ๐˜ฏ. ๐˜›๐˜ฉ๐˜ฆ๐˜ณ๐˜ฆ ๐˜ข๐˜ณ๐˜ฆ ๐˜ท๐˜ฆ๐˜ณ๐˜บ ๐˜ฉ๐˜ข๐˜ณ๐˜ฅ ๐˜ฑ๐˜ณ๐˜ฐ๐˜ฃ๐˜ญ๐˜ฆ๐˜ฎ๐˜ด ๐˜ธ๐˜ฆ ๐˜ฏ๐˜ฆ๐˜ฆ๐˜ฅ ๐˜ต๐˜ฐ ๐˜ต๐˜ข๐˜ค๐˜ฌ๐˜ญ๐˜ฆ ๐˜ง๐˜ช๐˜ณ๐˜ด๐˜ต, ๐˜ช๐˜ฏ๐˜ท๐˜ฐ๐˜ญ๐˜ท๐˜ช๐˜ฏ๐˜จ ๐˜ฒ๐˜ถ๐˜ข๐˜ฏ๐˜ต๐˜ถ๐˜ฎ ๐˜ฅ๐˜ฆ๐˜ค๐˜ฐ๐˜ฉ๐˜ฆ๐˜ณ๐˜ฆ๐˜ฏ๐˜ค๐˜ฆ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ช๐˜ฏ๐˜ต๐˜ฆ๐˜ณ๐˜ง๐˜ฆ๐˜ณ๐˜ฆ๐˜ฏ๐˜ค๐˜ฆ. ๐˜›๐˜ฉ๐˜ช๐˜ด ๐˜ช๐˜ด ๐˜ช๐˜ฎ๐˜ฑ๐˜ฐ๐˜ณ๐˜ต๐˜ข๐˜ฏ๐˜ต ๐˜ฃ๐˜ฆ๐˜ค๐˜ข๐˜ถ๐˜ด๐˜ฆ ๐˜ธ๐˜ฆ ๐˜ฉ๐˜ข๐˜ท๐˜ฆ ๐˜ฒ๐˜ถ๐˜ข๐˜ฏ๐˜ต๐˜ถ๐˜ฎ ๐˜ณ๐˜ฆ๐˜ด๐˜ช๐˜ด๐˜ต๐˜ข๐˜ฏ๐˜ต ๐˜ข๐˜ญ๐˜จ๐˜ฐ๐˜ณ๐˜ช๐˜ต๐˜ฉ๐˜ฎ๐˜ด ๐˜ข๐˜ฏ๐˜ฅ ๐˜ต๐˜ฉ๐˜ฆ๐˜ณ๐˜ฆ ๐˜ช๐˜ด ๐˜ข๐˜ค๐˜ต๐˜ช๐˜ท๐˜ฆ (sic) ๐˜ณ๐˜ฆ๐˜ด๐˜ฆ๐˜ข๐˜ณ๐˜ค๐˜ฉ ๐˜ค๐˜ฐ๐˜ฏ๐˜ต๐˜ช๐˜ฏ๐˜ถ๐˜ฆ๐˜ด.

๐˜š๐˜ถ๐˜ฏ๐˜ฅ๐˜ข๐˜บ ๐˜ฎ๐˜ฐ๐˜ณ๐˜ฏ๐˜ช๐˜ฏ๐˜จ ๐˜ง๐˜ฐ๐˜ญ๐˜ญ๐˜ฐ๐˜ธ-๐˜ถ๐˜ฑ: ๐˜ช๐˜ต ๐˜ต๐˜ถ๐˜ณ๐˜ฏ๐˜ด ๐˜ฐ๐˜ถ๐˜ต @๐˜ช๐˜ด๐˜ช๐˜ด๐˜ญ๐˜ฐ๐˜ท๐˜ฆ๐˜ค๐˜ณ๐˜ถ๐˜ง๐˜ต ๐˜ต๐˜ธ๐˜ฆ๐˜ฆ๐˜ต๐˜ฆ๐˜ฅ ๐˜ข๐˜ฃ๐˜ฐ๐˜ถ๐˜ต ๐˜ต๐˜ฉ๐˜ช๐˜ด ๐˜ช๐˜ด๐˜ด๐˜ถ๐˜ฆ ๐˜ญ๐˜ข๐˜ด๐˜ต ๐˜ฏ๐˜ช๐˜จ๐˜ฉ๐˜ต, ๐˜จ๐˜ฐ๐˜ช๐˜ฏ๐˜จ ๐˜ข ๐˜ญ๐˜ฐ๐˜ต ๐˜ฅ๐˜ฆ๐˜ฆ๐˜ฑ๐˜ฆ๐˜ณ ๐˜ต๐˜ฉ๐˜ข๐˜ฏ ๐˜ ๐˜ฅ๐˜ช๐˜ฅ; ๐˜ง๐˜ฐ๐˜ณ ๐˜ฎ๐˜ฐ๐˜ณ๐˜ฆ ๐˜ช๐˜ฏ๐˜ง๐˜ฐ๐˜ณ๐˜ฎ๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ, ๐˜บ๐˜ฐ๐˜ถ ๐˜ด๐˜ฉ๐˜ฐ๐˜ถ๐˜ญ๐˜ฅ ๐˜ต๐˜ข๐˜ฌ๐˜ฆ ๐˜ข ๐˜ฎ๐˜ช๐˜ฏ๐˜ถ๐˜ต๐˜ฆ ๐˜ต๐˜ฐ ๐˜ณ๐˜ฆ๐˜ข๐˜ฅ ๐˜ต๐˜ฉ๐˜ช๐˜ด ๐˜ต๐˜ฉ๐˜ณ๐˜ฆ๐˜ข๐˜ฅ: ๐˜ฉ๐˜ต๐˜ต๐˜ฑ๐˜ด://๐˜ต๐˜ธ๐˜ช๐˜ต๐˜ต๐˜ฆ๐˜ณ.๐˜ค๐˜ฐ๐˜ฎ/๐˜ช๐˜ด๐˜ช๐˜ด๐˜ญ๐˜ฐ๐˜ท๐˜ฆ๐˜ค๐˜ณ๐˜ถ๐˜ง๐˜ต/๐˜ด๐˜ต๐˜ข๐˜ต๐˜ถ๐˜ด/1175557089067823104"

The communication was a proactive response to Andrew Yang's ringing of alarm bells. Nik Bougalis's multi-tweet served to demonstrate how Ripple is actively surveying new technology; quantum computing is probably one of a number of areas where the company is allocating its resources.

In any event, it's a relief to know that Nik Bougalis is aware of these recent claims by Google engineers, even if they seem to enjoy engaging in hyperbole, to the dismay of those of us that take blockchain technology very seriously.


The team at Coil is not resting on their - incredible - accomplishments to date.

Instead, the company is continuing to make updates to its blogging platform as it also helps organize the next major phases to its roll-out of web monetization. On September 19แต—สฐ, the new site changes were noticed by multiple Coil fans, including me:


The search is one of those generic searches that will match the targeted term against multiple post metadata fields, including the title of the post, or the author's name.

The development model of continual improvements is a centerpiece of modern project management; it's great to see Coil promoting some of these popular changes to their service.

Cinnamon Adds Feedback Feature

The Coil team is not the only group working diligently to improve their platform: Cinnamon, the new video platform that is pursuing a revenue model based on web monetization, is currently in a 'closed' release where a small group of individuals - including me - are experimenting and using the new site.

During this phase of the team's development, they are continuing to make changes and continue their development. One of the new features they recently added to the service is the ability for viewers to add comments about videos after they're published:


The new capability mirrors that of popular video sharing sites such as YouTube, Vimeo, Bitchute, and others, and provides a way for viewers to interact directly with video creators.

My Coil Recommendations

Coil is continuing to attract more authors, including some where I was able to review at least one article (each). Here are the authors that were included in my reading list over the last two days:

Author: Rocco Balsamo@simmer_io
Article: Web Monetization Javascript API demo
Topic: web monetization

Article: No need for labels to make an artist earn anymore.
Topic: music

Author: Doctor Change@Doctor_Change
Article: Moneygram, XRP and the Value of First Mover Advantage
Topic: XRP

Author: quinto mudigo@quintomudigo
Article: Secrets of becoming a successful trader
Topic: finance / trading

Author: WGhoop XARTP@WGhoop_XARTP
Article: Art Work by Goop XARTP
Topic: art

XRP News

One of the most common phrases that I impart to others on social media when it comes to crypto is 'Do Your Own Research.' It's a term that, although perhaps overused a bit, still holds true in 2019.

For those researchers that like to use techniques for accessing the latest up-to-the-minute information about XRP or another crypto, having a strategy for checking Twitter posts is a necessary component of any comprehensive strategy.

Most grizzled crypto veterans have their own techniques for how to do this, borne of sometimes-painful experience in missing important updates or information.

There are two effective approaches to use Twitter for searching through posts:

  • Advanced Search
  • Lists

Twitter allows any user to create lists that are either public or private. I have my own lists, and I also sometimes examine the results from other Tweeter's lists, such as the one maintained by Leonidas Hadjiloizou:


In the above screenshot, you'll see that it's a two-step process for accessing somebody's lists: navigate to their home page first. Then, choose the ellipse and you'll see a choice for 'View Lists.' After you click on this choice, you'll be able to activate the list for an individual.

Essentially, a list is a stored search that dynamically keeps searching for new tweets, which makes it a convenient tool.

Advanced Search
In addition to lists, you can always launch a one-off search and define new criteria. I use the advanced search on Twitter if I'm searching for a specific tweet, or if I'm interested in tweets pertaining to a particular topic. To access the search directly, you have to know a little bit about the URLs that Twitter uses to summon the user interface. In this case, I'll provide the URL for you:


I'm not sure how to access this interface through the traditional Twitter home page, but this link will work regardless of where you happen to be. The advanced search allows you to target a specific topic, or if you know that a tweet exists on somebody's timeline, you can zero in on it much more easily than by using a manual 'scroll-and-look' method.

Once you know about some of these approaches, doing your own research can benefit from the time saved.

Artwork in the XRP Community

It was hard not to notice the new profile picture for David Schwartz, Ripple's CTO, on Twitter:


The image was distinctive enough to make it memorable and noteworthy. Seeing a person's image in broad brush-strokes evokes memories of family portraits hung in dark and dusty American households, or hung in antiseptic corporate offices.

For me, it symbolized the creativity inherent in translating a person's likeness into paint.

The account that created this portrait is @WGhoop (Twitter avatar), and he's a painter from New Zealand.

Over the last couple months, I've noticed other paintings that conform to his same style, including this one portraying @NordicAnn (Twitter avatar):


@WGhoop indicated that his approach 'started as an idea in a dream,' and has registered a site that he plans on developing to display his work; it's on his Twitter home page, along with a stream that includes tweets to others that have received his artwork as well.

He also authored a Coil blog that includes a large sampling of his catalog of work if you're curious about seeing all of them in one place. @WGhoop_XARTP's Coil Article: https://coil.com/p/Goop_XARTP/Art-Work-by-Goop-XARTP/wL2IAUvJp

If you are thinking of contracting with him to commission a painting, he indicated that fans of his work can contact him directly (direct message) over Twitter.

Let Math Be Your Guide

Each person that invests in digital assets by buying-and-holding is aiming to capitalize on the possibility that the value of a digital asset might increase over time.

The most important measure of this probability comes from examining the use case(s) involved.

For XRP, its use cases include numbers that require scientific notation to describe the potential size of the market. The market for cross-border payments and ForEx is measured in the trillions of dollars per day. The market for streaming micropayments may be considerable as well, but nobody really knows for certain how large this new industry will grow.

We do know that XRP is the foremost asset being used in streaming these payments.

There is some poetic irony to the fact that Interledger, the core technology that makes streaming payments as part of the IoV possible, involves payments that are microscopic in size, and yet could be used to move money globally within a short period of time. ILP is a truly revolutionary technology, and the companies involved - including Ripple & Coil - are literally at the center of the storm, navigating the churning waters on a sea that has until now never been charted.

To stay up-to-date on how Coil, Ripple, and other XRP-related companies are changing international commerce, make sure to subscribe to my blog on Coil. And remember to support others in the XRP Community who are helping to spread the word about the fastest, most scalable, decentralized, secure, and dependable digital asset in the world.


Cover Art: Thank you to Thought Catalog
Subscribe: @Hodor