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As the world shifts towards a more digital, cryptography-protected way of doing business, traditional banking platforms are being slowly phased out the financial scope. Only those willing to adjust and include more efficient payment systems, which are both faster and safer, will be able to maintain in the business and survive.
Ripple Price Today.
Ripple is a project based on small free software that pursues the development of a credit system based on the end-to-end paradigm. Each Ripple node functions as a local exchange system, in such a way that the entire network forms a decentralized mutual bank.
In other words, the Ripple platform is a distributed social service based on the honor and trust of existing people in real-world social networks. In this way, financial capital is based on social capital. A reduced version of the Ripple network would consist of an extension of the existing hierarchical banking system.
The Ripple technology is, in fact, more widely known for its digital payment protocol than for being a cryptocurrency. Since being co-founded by Chris Larsen and Jed McCaleb in 2012, it has flourished, reaching worldwide recognition and market success via the digital coin, the XRP.
Ripple functions in a decentralized platform that fosters money transfers in any form. It is open source and peer to peer, and can work with several exchanges and currencies, physical or crypto, such as US dollars, Yen, Litecoin, and Bitcoin.
To work correctly, Ripple implements the Gateway medium, which serves as the link in the trust chain between two parties wanting to make a transaction. Gateway is the credit intermediary, the one in charge of receiving the funds to public addresses managed within the Ripple platform. In Ripple, anyone can sign up and open a gateway that authorizes that person to be the middleman for exchanging currencies.
Later, between 2014 and 2017, Ripple began to focus on the banking market, with Ripple Labs taking part in related projects. They experimented with an App for iPhone that enabled users to send and receive transfer between them. Since 2013, the Ripple protocol has been adopted by numerous financial institutions to offer an alternative remittance option to people.