Ripple Further Spreads Its Reach Joining Chinese University for Blockchain Scholarship Program

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Ripple Further Spreads Its Reach Joining Chinese University for Blockchain Scholarship Program

Ripple recently partnered with the Institute for Fintech Research, Tsinghua University to offer scholarships. They aim to sensitize the Chinese young leaders about blockchain’s international regulations.

Ripple Further Spreads Its Reach Joining Chinese University for Blockchain Scholarship Program

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Ripple Dispels FUDs Around Company’s ‘Hostile Takeover’, Urges Media Mature

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Ripple Dispels FUDs Around Company’s ‘Hostile Takeover’, Urges Media Mature

Brad Garlinghouse, the CEO of Ripple, declines any possibility of Ripple’s and XRP’s hostile takeover. The rumors can be officially considered refuted.

Ripple Dispels FUDs Around Company’s ‘Hostile Takeover’, Urges Media Mature

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Euro Exim Becomes the First Official Bank to Fully Integrate Ripple’s xRapid

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Euro Exim Becomes the First Official Bank to Fully Integrate Ripple’s xRapid

London-based Euro Exim Bank will become the first financial institution to fully integrate the XRP-powered xRapid in the first quarter of this year.

Euro Exim Becomes the First Official Bank to Fully Integrate Ripple’s xRapid

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Crypto Startup Ripple Breaches 200 Client Milestone Amid Market Plunge

It goes without saying that the cryptocurrency market downturn of 2018/2019 irked many of this industry’s startups, even those which have established an unquestioned hegemony. An Ethereum Classic development group folded entirely, while Bitmain, ConsenSys, Steemit, Huobi, and ShapeShift most recently were mandated to purge staffers to maintain a sufficient financial runway. Yet, there have been a few crypto-friendly companies, namely Ripple that have excelled in this hostile environment.
On Tuesday, the San Francisco-headquartered firm revealed that it surmounted a key milestone, even as sellers continued to ravage the Bitcoin price.
Ripple Surmounts Milestones Amid Broader Crypto Crisis
Ripple Insights, the fintech firm’s in-house blog, released a report about its payment network, the fittingly-named RippleNet, on January 8th. In the short and to-the-point post, the American upstart’s team explained that 13 financial institutions, which hail from Canada to Kuwait, had just signed up for RippleNet, a self-described “frictionless experience” centered around transacting money globally.
These 13 new additions, five of which will “leverage the digital asset XRP” to source global liquidity, to the company’s clientele means that RippleNet now facilitates cross-border processes for over 200 clients.
Related Reading: Ripple Price Analysis: XRP at 40 Cents an Illusion?
Speaking on the matter, Ripple CEO Brad Garlinghouse, a technology entrepreneur with two decades in the “biz,” claimed that 2018 was his firm’s best performing year on record. More specifically, through the company blog, Garlinghouse explained that Ripple saw its customer base swell by 100 in the year prior. The company chief even quelled concerns that growth has slowed, noting that Ripple continues to sign “two — sometimes three — new customers per week.”
This monumental growth statistic, which is impressive for any startup, whether in the cryptosphere or otherwise, was just the proverbial edge of the iceberg, however. Garlinghouse added that year-over-year, the transaction count on RippleNet swelled by 350%, as a growing number of clients have begun to utilize the XRP asset.
Per a CNBC report from the outlet’s in-house crypto journalist, Kate Rooney, with RippleNet, Garlinghouse and his crew are looking to actively disrupt a $2 trillion industry. This financial industry arm, which has rapidly become a topic of focus for Ripple, is the cross-border payment realm, which has historically been ruled with an iron fist by often exploitative centralized banks.
As reported by NewsBTC previously, a majority of American banks, which utilize the centralized SWIFT ecosystem, charge upwards of a $30 flat rate for global wire transfers. And while Bitcoin has already proven itself to be a great alternative, touting sub-$1 transaction fees, practically instant transaction times, and censorship-resistance, Ripple believes it can further improve on the benefits touted by the de-facto grandfather of cryptocurrencies.
Commenting on the unspoken war that Ripple has essentially waged on SWIFT, Garlinghouse told Bloomberg TV that decentralized ledgers are “a massive step-function forward” compared to their centralized counterparts. Backing his claim, the industry insider noted that an unnamed remittance provider saw an 800% increase in usage and a 95% haircut in fees, when it implemented Ripple’s technology. Garlinghouse even claimed that if this unbridled success continues to propagate itself, the broad Ripple’s ecosystem will eventually “take over SWIFT.”
Considering the rate of growth that RippleNet has experienced, a world where blockchain-based technology runs the world’s finances might not be a quixotic dream.
The Fabled “Crypto Holy War”
Although many XRP proponents believe Ripple is fighting the good fight, as it were, many long-time Bitcoin diehards have been outspoken against the fintech firm’s seeming enamorment with the centralized financial realm. Some cynics have even argued that the American startup is in bed with bigwig banks, and prepared to flip the “killswitch,” subsequently killing decentralization.
Per NewsBTC’s previous reports on the matter, Bobby Lee, a co-founder of BTCC and a Bitcoin Foundation board member, told up-and-coming business outlet Cheddar:
“Ripple has the reputation of being centralized, even though some [of its] proponents claim that it is decentralized. So I do think that it is important [that we distinguish between the two], because the world up until Bitcoin’s invention has never seen some that is digital that is also decentralized.
Charlie Lee’s brother added that using the term “decentralized” for centrally-issued tokens, like XRP, can be “dangerous, and is a waste of a great terminology.” And interestingly, Lee isn’t alone in making such comments. Just recently, following the attack against the Ethereum Classic blockchain, XRP zealots took to Twitter to bash Proof of Work (PoW) ledgers, specifically for their inability to maintain transactional finality.
But, PoW believers took time to fight back. Rob Paone, better known as Crypto Bobby, noted that there’s a potential risk that Ripple is “very vulnerable to government[al action], regulators, and the like.” Gab.com, a pro-free speech, pro-crypto social media platform, explained that if Ripple Labs can freeze funds, whenever and for whatever reason, there’s a chance you might have a “scamcoin on your hands that isn’t decentralized.”
However, through the medium of a number of interviews and social media quips, Ripple’s c-suite have openly lambasted these critiques, claiming that this nitpicking behavior is reminiscent of a “holy war,” and is actually curbing this sector’s development cycle.
Speaking with Cheddar, Chris Larsen, who built XRP (once called OpenCoin) alongside Jed McCaleb, noted that “there’s currently a religious war going on between platforms,” adding that the “nonsense and FUD” that gets thrown around incessantly isn’t beneficial.
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XRP A Better Bet Than Bitcoin Despite Centralization Says, Phillip Nunn of Blackmore Hedge Fund

XRP has worked really well to increase its adoption but people are still skeptical of the coin, believing it to be centralized. Well, according to Phillip Nunn, CEO of Blackmore Group, XRP because of its mainstream growth, is still a better bet that Bitcoin even with centralization issues.
Mainstream Acceptance over Centralization is the key for Blackmore Group
Mainstream acceptance of cryptos is one of the key drivers that is considered to take the price of the coin up. Well, that’s not the case with XRP which, even after tremendous mainstream acceptance, has failed to pull its price up. The reason for this stunted price growth is attributed to its centralization and thereby being termed as security.
Although there is a lot of debate around XRP’s centralization, as per the recent comments by Phillip Nunn, CEO of Blackmore Hedge Fund, XRP stands out to be a better bet then Bitcoin due to its adoption even though it may be centralized. According to Nunn, even Bitcoin is equally centralized as one country controls most of the Bitcoin supply & mining and, could essentially wrap up all.

In its purest sense $BTC #bitcoin is definitely more decentralised than $XRP #ripple
But the fact is one country controls most the bitcoin supply and mining and could essentially wrap it all up. This is worrying $xrp is a great bet for mainstream growth.
— Phillip Nunn 🚀 (@PhillipNunnUK) December 31, 2018

The point that Nunn has put forward speaks about Bitcoin mining being heavily centralized, of which, 80%  of Bitcoin mining is operated by six mining pools, and five of those six pools are managed by individuals or organizations located in China.
According to him, this centralization of mining Bitcoin is pretty much the same as a few hands holding the majority of XRP. But the advantage XRP has over Bitcoin is its mainstream acceptance and it is used by various banks and financial institutions, which Bitcoin is yet to find.
Also, apart from the centralization issue, XRP has every quality that could take its price much higher to where it currently lies. Its useful, fast, cheaper as well as bridges the gap between the traditional world of finance and the latest modern world of cryptocurrency.
Recently, Ripple’s chief executive, Brad Garlinghouse spoke about increasing XRP’s adoption, by creating a “global framework” for payments and called out bitcoin for its failures. Garlinghouse was quoted by Bloomberg saying that
“ Ripple is solving a cross-border payments problem and that the value of any digital asset will be based on its ability to solve problems.”
Garlinghouse has spoken up about his company’s technology during the Singapore Fintech Festival; interviewing Bloomberg he said, “XRP is 1,000 times faster and cheaper than bitcoin,” the original and largest cryptocurrency by market value.
When we compare Bitcoin and XRP, XRP’s prowess definitely stands out as compared to Bitcoin. And with investors such as Phillip Nunn backing it, XRP could definitely have a future much brighter than what it is now.
Will XRP take over Bitcoin in 2019? Do let us know your views on the same.
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Source: CoinGape

Ripple’s Brad Garlinghouse Agrees America to Have New Financial System on Blockchain

Ripple CEO Brad Garlighouse is often vocal about connecting banks with the blockchain solutions. In his latest tweet, he mentioned how crucial Blockchian technology for commerce is. He confidently asserted to the NewYork Post, writing that ‘Blockchain technology could prove to be as important to commerce as email and text messaging were to communications’ intending the financial system if built with blockchain will help connect global people to access banking services.

“Blockchain…could prove to be as important to commerce as email and text messaging were to communications. New financial systems built on it could help connect people around the world who lack access to traditional banking services.” https://t.co/mHeXiSRLaQ
— Brad Garlinghouse (@bgarlinghouse) December 19, 2018

However, a day back when Twitter enthusiasts were busy talking about the usage of xRapid and the regulatory stance on XRP as a security, they did mentioned Brad to speak on the matter. However, his latest tweet is quite remarking the point.
Digital Currency Reserve For America and Financial Revolutions
He pointed the post that described ‘digital financial revolutions’ would result in ‘significant opportunities for employment and economic development. It is quite interesting to note that the article was posted on The New York Times which was enclosed by Brian Brooks, the chief legal officer of Coinbase, a cryptocurrency exchange. The article which was entitled ‘America Could Lead the Transition to a Digital Currency Reserve” mainly focused on the declining value of US dollar as the ‘world’s reserve currency’ which paved the ways for the ‘creation of Digital Reserve Currency’. Brian in his post encouraged developers of crypto projects by relating to the entrepreneurs. It notes that;
These innovations could be leveraged by developers in much the same way as entrepreneurs built web services on the internet — from eBay to Facebook — with the same enormous impact on the American economy.
As coingape reported that most central banks are issuing their own digital currencies including China, Swedan, Brain notes America to kick start with the research paper to adopt cryptocurrency mechanism.
And if it does, it could ultimately build dominant cryptocurrency technologies that become the backbone of the 21st Century financial system., the statement reads.
This development would widely used in a scenario where America would experience a major fluctuations in financial industry. Moreover, it would help farmer to deal with foreign clients in terms of cryptocurrency rather than in friction of foreign exchange.
And its development agencies, like U.S.A.I.D., could “airdrop” cryptocurrencies to hard-hit regions of the world that lack access to banking infrastructure.
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Source: CoinGape

XRP Seems to Be the Top Candidate For the Bull Run in 2019, and Here’s Why

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XRP Seems to Be the Top Candidate For the Bull Run in 2019, and Here’s Why

XRP has been pretty much asleep for a very long time and as we are approaching the end of 2018, the much-needed news about Ripple’s partnerships with major financial institutions have started erupting in the crypto-space.

XRP Seems to Be the Top Candidate For the Bull Run in 2019, and Here’s Why

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Ripple’s CEO Says Blockchain Will Change the World of Global Payments

Ripple CEO’s has sat down with Ross Leckow, IMF’s Deputy General Counsel, to talk about blockchain technology at the Singapore Fintech Festival.
Both agreed that the distributed ledger will change the world of global payments as the International Monetary Fund engages with the private sector and industry to help its members unlock the potential of blockchain with minimum risk.
IMF Engaging Private Sector to Help Countries Move Towards Blockchain-Friendly Environments
During the conversation about distributed ledger and the ASEAN market, current Brad Garlinghouse, CEO of Ripple, told Leckow that the regulatory clarity in the region, namely in Singapore, Thailand, and the Philippines, is attractive for the establishment of blockchain businesses.
“In particular, Thailand has introduced a framework that balances consumer protection with innovation. It legalizes several digital assets, including XRP, and provides clear and explicit guidelines for outside blockchain companies to operate. This clear regulatory environment makes it easier to apply blockchain and digital asset technology to solve real-world business use cases, such as improving cross-border payments across the ASEAN region.”
Blockchain also comes as an opportunity for the East Asian region as the market is ripe for adoption of blockchain to lower the costs of cross-border payments, which totaled $130 billion in inbound payments alone in 2017. Ripple is particularly invested in the region, with nearly 50 percent of global customers based there. The broad acceptance of blockchain in ASEAN markets aims to solve issues such as opaque, expensive, and slow cross-border payments, Leckow explained.
“Cross-border remittance is a good example of a use case that is very important here. Regulators here have demonstrated a willingness to engage with each other and others around the world — a type of cross-border cooperation has emerged that involves the right stakeholders and helps develop solutions to solve for problems like this.”
IMF’s fintech-related advisory group, which was founded last year, includes Chris Larsen, executive chairman of Ripple’s board of directors and former CEO and co-founder of Ripple. The IMF official added that the international community is now working together to develop regulation that is proportionate to the risks so that it does not stiffle innovation, but each jurisdiction makes its own decisions.
“Each country has to decide for themselves what type of regulatory framework is best. But generally speaking, they should be cognizant of risk but also the potential to make the global system more efficient, more inclusive with this new technology.”
Ripple’s Garlinghouse ended the talk by explaining that blockchain addresses the issues of value interoperability, including bringing three billion people – almost half of the world population – to the global economy.
Related Reading: Ripple Moves XRP Security Lawsuit to Federal Court, Attorneys Call It Brilliant
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Now It’s Official: Ripple and Tas Working Together, XRP Liquidity Boosts

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Now It’s Official: Ripple and Tas Working Together, XRP Liquidity Boosts

Ripple and TAS will be working together to overcome issues in the existing payments systems while leveraging Ripple’s blockchain technology and solutions.

Now It’s Official: Ripple and Tas Working Together, XRP Liquidity Boosts

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Ripple Swell 2018: Brad Garlinghouse talks xRapid, globalization and ‘Internet of Value’

Ripple’s two days Swell Conference 2018 commenced on Monday with panel discussions and interactions with luminaries such as former American President Bill Clinton, Gene Sperling, the National Economic President to Clinton and Obama, and the officials from Ripple itself, including CEO Brad Garlinghouse.
The CEO touched upon how the company was built on Chris Larsen’s vision and claimed that the main fulcrum of the organization was integrating the Internet of Value with the workings of the financial ecosystem. He stated:
“The internet of value is something that a lot of people don’t understand and that is Ripple’s biggest bet. One of our main goals has always been to become builders rather than the ‘disruptors’ that is talked about a lot in Silicon Valley. Being coined a disruptor is somewhat of a catnip to investors but in Ripple’s opinion we don’t always need disruption in the industry.”
Garlinghouse stated that Ripple was not trying to replace banks but was trying to build a system that has never been seen before. According to him, the products launched by the company would not only allow the faster and seamless developments of the blockchain industry but also the entire working ecosystem as well.
The Ripple official focused his discussion on the ‘three-legged piece’ that is required for globalization: data which is basically the internet, goods that need to be carried on the channel and money. According to him, the main problem that persists in the industry right now is the movement of the third factor, money. He bought in the analogy of the shipping industry which was revolutionized with the advent of containers and stated that Ripple was trying to bring about a similar revolution in moving money with its products.
He further added that there was a lot of hype in the blockchain space, a sector where the key aspect has to be enabling value to move like information and removing friction from global payments. He added that solving these cumbersome problems will increase the monetary flow of the economy, thereby opening up a lot of avenues to the general populous. Addressing the problems in the fiat sector, he elucidated on the details that hinder the transfer of value across different areas. He said:
“I have been in discussion with officials from a lot of major players and the stats that we obtained are stunning. We have found out that value transfer is staggeringly slow with an air rate of close to 6% that sometimes rises to 11%. The transactions are also really expensive with sources quoting an astronomical $10 trillion trapped in the banking sector.”
Brad Garlinghouse also announced the commercial availability of the much awaited xRapid, Ripple’s latest product that uses digital assets for cross-border transactions. It was even revealed that Ripple has partnered xRapid with three firms namely, Cuallix, Mercury fx, and Catalyst.
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Ripple CEO Puts the XRP Decentralization & Security Issue to Rest, for Once & All

XRP again had its advocates clearing the FUD around the coin. This time it was Brad Garlinghousethe CEO and Michael Arrington, Founder of Arrington XRP Capital, doing the job as the appeared on Tech Crunch’s Disrupt SF 2018. Not just this, XRP also was also presented with a great news as SAP begins testing  XRP ledger.
From Ripple, XRP, decentralization to Banking Garlinghouse  and Arrington clear the air
As Brad Garlinghouse began discussing Ripple and blockchain he began by saying that if one really wants to revolutionize the way payment works it’s not going to happen overnight and in singularity as everyone is not going to give up their existing infrastructure to take up something new. Although being a bitcoin bull,  Garlinghouse said that one single ledger of Bitcoin is insufficient to solve all problems. This is where XRP comes into the picture as it has built technologies over the decentralized ledger. He also adds that the people who blame ripple and call it a devil actually do so is because Ripple went ahead and partnered with banks instead of replacing them.
On being asked about the decentralization, He said that the XRP ledger is completely Decentralised and Ripple cannot control that ledger. He added that Ripple only holds 7% of all public nodes on the ledger whereas in China 3 miners hold 50% of bitcoin nodes making Bitcoin more centralized than XRP. He said there is a FUD in the market that Ripple could block or roll back a transaction which was completely untrue. According to him the FUD of misinformation is creating a lot of Airgaps. TO make his point more clear Garlinghouse even said that if Ripple shuts down tomorrow the XRP ledger would continue to operate because it was independent.
Answering to XRP being a security, Garlinghouse said that a security gives center rights to the holder such as dividends, ownership and voting rights. He added if one buys XRP he doesn’t get any rights with respect to company Ripple. Question those who call XRP a security he said that,
“if XRP is a security, it is the security of what?”
Michael Arrington, whose Fund Arrington XRP Capital is based on XRP’s blockchain, was also present in the discussion also gave out his opinion why he selected XRP’s ledger over other to start his crypto fund. Apart from Arrington and Brad Garlinghouse being friends, Arrington stated that the XRP is right kind of currency for a hedge fund which needs to move a large amount of money all over the world. Not just that, the LLP who invest in Hedge Fund are also based globally and also desire to move their money quickly and cheaply. He gave an example by saying that they want to move USD 50 million and using RippleNet they could do that in 3 seconds and cost incurred was just 30 cents.
Arrington also mentioned the that Ripple had capabilities of replacing the SWIFT and he just prays that happens.
Also, read: XRP Whale Movement: USD 2.3 mn Worth of XRP Change Wallets
SAP begins testing of RippleNet confirms Sarah Austin
Sarah Austin, who is an entrepreneur and product marketing tinkerer at SAP, confirmed on twitter saying that the company is discussing tokenization of assets as something that can benefit the enterprise. She also mentioned that SAP is testing XRP integrations.

We will definitely be discussing tokenization of assets as something that can benefit enterprise, however, crypto as a feature is not something of high priority for the enterprise right now. SAP is testing XRP integrations. #BlockchainChat
— Sarah Austin (@sarahaustin) September 6, 2018

Although the details of how and what SAP is working on were unavailable this announcement definitely is a big positive for XRP. If this integration goes successful, XRP would reach every company and every user that uses the SAP system.
Clearing of FUD and finding a huge use case could be the best news XRP could get in sometime. The coin has been languishing irrespective of market sentiment on the dilemma that whether it is a security or not and this news should at least soothe some nerves.
Will XRP be able to cross the “being called a security” hurdle? Do let us know your views on the same.
The post Ripple CEO Puts the XRP Decentralization & Security Issue to Rest, for Once & All appeared first on Coingape.
Source: CoinGape

Ripple CTO Says XRP Ledger is Completely Decentralized

Ripple Labs, Inc. has long been on the defensive against claims from cryptocurrency pundits and investors who believe that its native token, XRP, will be viewed as a security by the U.S. Securities and Exchange Commission (SEC) due to its seemingly centralized design.
However, Ripple’s Chief Technology Officer David Schwartz aims to set the record straight about XRP’s “inherently decentralized nature.”
Ripple CTO Dives into the Topic of Decentralization
Decentralization by definition is the “dispersion or distribution of functions and powers,” according to the Merriam-Webster dictionary.
However, in the cryptocurrency space, what it means to be decentralized is less clear, and as David Schwartz says in the opening of his new report, “is wildly nuanced, misunderstood and, frankly, evolving.” In the report, titled “The Inherently Decentralized Nature of XRP Ledger,” Schwartz attempts to clear up some of the confusion around the decentralization of XRP.
Unlike Bitcoin and Ethereum that use proof-of-work algorithms, thus rewarding miners for validating transactions, XRP uses a consensus protocol that requires validators to record and verify transactions without any incentive. Schwartz says these validators are spread all across the globe and are comprised of a range of individuals, institutions, and cryptocurrency exchanges.

“Put simply, the XRP Ledger is based on an inherently decentralized, democratic, consensus mechanism — which no one party can control.”

Taking to Twitter earlier today, Brad Garlinghouse, the CEO of Ripple, showed his approval of Schwartz’s post, and promised more on the issue during his Ask Me Anything session.

.@joelkatz speaks the TRUTH on XRP Ledger! Brilliantly designed to be inherently decentralized. More on this during my AMA with @CoryTV at 3pm (PT) today on https://t.co/OmzfxkPL6N https://t.co/IIcdA75bIt
— Brad Garlinghouse (@bgarlinghouse) August 22, 2018

XRP is More Decentralized Than Bitcoin or Ethereum
Schwartz cites the fact that the four largest mining pools control as much as 58% of the Bitcoin network, while three miners control 57% of Ethereum’s, as a reason why these competing cryptocurrencies are even less decentralized than XRP.
This despite the SEC’s contrarian stance that Bitcoin and Ethereum aren’t securities due to the lack of a central governing organization controlling them.
The report also warns of nearly 80% of Bitcoin mining coming from just one country, China, stressing the risk that Bitcoin could become manipulated by a “single sovereign government.” Worse yet, Schwartz warns of a potential 51% attack on blockchain of the two top cryptocurrencies by market cap – a situation that opens the door to for potentially fraudulent transactions.
XRP, on the other hand, requires 80% of its validators across the network to continuously support a proposed change over a two-week period before it is ever applied.
The report states that Ripple only operates 10 of the 150 validators currently verifying transactions on the protocol today, and that each validator only gets one vote in support of any changes. The data suggests that Ripple is far less in control of the XRP cryptocurrency than the stronghold China has over the Bitcoin blockchain.
The most important reason XRP is “decentralized in nature,” according to Schwartz, is the fact that users on the XRP ledger select a Unique Node List (UNL) – a list of trusted validators chosen by the user. Since users are free to choose and even change their UNLs, the XRP ledger “is and always has been inherently decentralized.”
Featured image from Shutterstock.
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