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XRP Ledger

XRP Ledger

Or simply XRP (formerly Ripple) is a free software and payment protocol project that pursues the development of credit systems based on a peer-to-peer model. Each node in the network acts as a local exchange system, whereby the entire system forms a reciprocal distributed bank.

Some believe that this network, fully implemented, constitutes a distributed social networking service based on honor and trust among participants around the world (hence its financial capital based on social capital).

The miniaturized version of the network is an extension of the traditional banking system with alternative payment channels independent of the central bank. History


XRP Ledger (then known as «Ripple») was started in 2012 by Ripple Labs, founded by Chris Larsen and Jed McCaleb in the United States.

At that time, the system token was called «curl credit» or «curl».

Name and Logo Change According to the XRP Developer Support Portal, in May 2018, the community chose the name «XRP» as its cryptocurrency to distinguish it from the company that created the cryptocurrency.

On June 13, a new logo for active products was announced with two votes. On May 31, 2018, the portal made a post reporting the XRP community’s efforts to help people correctly distinguish between the ‘Ripple’ brand and cryptocurrency. Ripple Lab was launched on July 9, 2018.

The infographic on a web portal reveals the differences, characteristics and relationships between companies and cryptocurrencies.

Comparison with other alternative payment systems

Traditional and central banks, such as payment processors and local exchange systems, have alternative systems, but not the XRP system is Bitcoin, Bitcoin Cash, Litecoin, Ethereum. It is different from other cryptocurrencies like.

Dash to treat all participants equally. Policy is centrally determined by the payment processor and local exchange system and relies on a central authority to process payments between «leaf nodes,» but the XRP ledger has the ability to do so. ..

In a sense, each XRP node is like a local exchange system or the payment processor itself. The objective of the XRP protocol is to make connections from traditional and alternative payment systems to a single network.


The modern monetary system is based on obligations between the participants. Coins and bills are government-issued bonds, loans are personal bonds of borrowers, and bank accounts are government-approved and statutory bank bonds.

Bonds are good if you think the owner can get value from them. Therefore, a banking network can be considered a network based on trust.

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The main method of payment for another participant in the system is the transfer of ownership of the bank debt from the payer to the debt collector through the banking network electronically.

A banking network is a decentralized network in which a bank acts as an intermediary between customers and a central bank acts as an intermediary between banks.

This structure means that it is very easy to establish a payment route between participants, but it is fraught with obstacles and can also be seen as a single point of failure. The system

XRP primarily generates revenue through the system, allowing banks to transact with each other without the need for a central bank.

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