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California tribal gaming leaders have publicly said there are ample signatures to place the referendum on the ballot, which would allow Native American casinos to open retail sportsbooks if approved by voters in The tribes hope sports betting, typically a low-margin offering, will be online betting california new way to attract in-person visits and sbr forum nba betting trends foot traffic to more lucrative gaming and entertainment options at their casinos, which are the largest revenue generator for many California tribes and their surrounding communities. Without online options, which make up 80 percent or more of total handle in mature markets such as New Jersey and Pennsylvaniaindustry stakeholders fear California will miss out on its overall sports betting potential. Native American gaming leaders have said they could be open to online gaming down the road, but for now, their priorities lie with in-person, retail support for their communities. The pending ballot measure is also the furthest California sports betting has advanced toward any type of legal wagering, a scenario that seems unlikely to change any time soon.

99bitcoins review and herald the game on bet cast

99bitcoins review and herald

Heightened interest then drove the price of a Bitcoin to one dollar on Feb. That day became known as Dollar Parity Day, and triggered a second Slashdot post that brought further attention. That basic cycle is still a major dynamic of the Bitcoin market: real technology or infrastructure advances drive the price higher, then the price itself generates further, less sustainable price growth.

The first truly wild Bitcoin bubble began with a June 1, article about the darkweb market Silk Road on now-defunct news site Gawker. The article described how illegal drugs could be purchased on a hidden website using Bitcoin. Beliefs at the time that Bitcoin is untraceable turned out to be wildly incorrect.

Just as important, the article followed on the heels of several early Bitcoin exchanges opening, which made the token easier to buy. Then, setting a pattern, it slumped for months. This bull run is notable for its relative stickiness: The Bitcoin price declined relatively gently over a little more than a year to a new bottom, then rode along that bottom for another year.

More importantly, a novel process known as an Initial Coin Offering ICO allowed founders to sell their new offerings directly to the public. It all ended in tears, of course. Other cryptocurrencies plummeted even further. Longer term, many of the projects rolling out ICOs turned out to be brazen frauds , and ICOs have since been broadly and aggressively pursued by the U. Securities and Exchange Commission as illegal securities offerings.

They argue that the absence of ICOs has forestalled the worst excesses of scammers and their greedy marks, the U. A brief history of Bitcoin bubbles. From Bitcoin to Asian tech stocks, these are the biggest winners and losers of the global markets.

The biggest business scandals of Under Biden, expect more scrutiny of Big Tech and mergers. This story was originally featured on Fortune. Senator Josh Hawley, a bellwether of Donald Trump's "stop the steal" movement to overturn the election results, was watching the second day of impeachment proceedings against the former president from the gallery above the chamber.

The Trump loyalist, a first-term Missouri Republican, was seen at various points with his legs crossed, his feet propped up on the chair in front of him, and reviewing some sort of paperwork in a manila folder, according to several reporters with a view of the room from their seats in the press gallery. Mr Hawley, along with Senator Ted Cruz of Texas and a handful of other Republicans, voted against the certification of Joe Biden's electoral victory on 6 and 7 January, even after a pro-Trump mob interrupted the day's proceedings with a bloody insurrection.

Alexei Borisov was diagnosed by doctors as having a punctured lung, three fractured ribs and a broken tooth after he attended a rally on Jan. The year-old truck driver said he was injured by police who detained him after he led a march in central Ryazan, km miles southeast of Moscow, shouting "Freedom to Alexei Navalny" and slogans against President Vladimir Putin.

Two teenagers have been charged in connection with the rape and death of Ee Lee in Washington Park, Milwaukee in September Violent crime: Lee, 36, was found unconscious, still breathing but with severe injuries and undressed below the waist in Washington Park by "bystanders" on Sept.

The Milwaukee County Medical Examiner's Office confirmed Lee was sexually assaulted and identified blunt force trauma to her head as the cause of her death. The U. The government will send doses to centers nationwide selected based on their proximity to vulnerable groups, such as homeless people and those with limited proficiency in English, they said. Typically, vaccine doses would go to state governments for distribution to health centers.

China has been accused by the US of genocide and crimes against humanity against the Muslim minority group. Businesses and shops closed in many parts of Indian-controlled Kashmir on Tuesday to mark the eighth anniversary of the secret execution of a Kashmiri man in New Delhi. YouTube users who claim to be in the class reported that they had done "all sorts of things" to get his attention, but he simply ignored them.

An investigation by the BBC and the charity Oxfam finds the money is not reaching the women it's meant to safeguard. The attack threatened to escalate Yemen's grinding war. No one was hurt in the assault, but the damaged passenger plane at Abha airport served as a powerful reminder of the danger that Houthi rebels pose to Saudi Arabia, which nearly six years ago launched a bombing campaign that has devastated the Arab world's poorest country.

Hours after the WHO team revealed preliminary findings at a Wuhan news conference on Tuesday, Washington said it wants to scrutinize data used by the team, which concluded that the virus causing COVID did not originate in a laboratory in Wuhan, and that bats remain a likely source. Former President Donald Trump was, by all accounts, furious at his impeachment trial defense team, especially lead lawyer Bruce Castor, panned across the board for his odd, rambling opening statement.

Castor declined to use "graphics or a video — tools his TV-obsessed client had hoped to deploy. He called Trump a "former president," said he "was removed by the voters," and argued that Americans are "smart enough to pick a new administration if they don't like the old one, and they just did. Castor was using Trump's status as former president to make his case, rejected by the Senate, that it's unconstitutional to try a president after he leaves office.

Crypto lending opens excellent opportunities for HODLers. Besides, there is no need to sell your own crypto when the price is too low. You can still boost your digital financial assets with crypto-backed loans. Nebeus is one such financial service based in the UK that enables cryptocurrency holders to get a hold of quick cash, without having to liquidate their own assets. Previously we did an in-depth review of BlockFi , another crypto savings and loans company.

Nebeus platform is managed by Money-4 Ltd, a London based firm. The Nebeus online platform claims to provide users with debit cards that can convert crypto into actual cash at any post office nearby. This creates the perfect opportunity for building up a savings account or securing assets for a worthwhile investment.

Clients get access to:. Individuals who invest in cryptocurrency, usually save their digital assets and wait for the selling prices to increase. But, since the price fluctuates frequently, these digital assets can lose their value just as quickly as they got it. When trying to make a profit, people are selling crypto when it spikes in value, therefore, losing their potential for investment.

With Nebeus, users have access to crypto savings accounts that they can use to earn some profit in many ways. The lending service borrows fiat against the crypto value already deposited in investment and savings accounts and gives the cash to their clients. Due to its effective business model, the company is more than capable of offering better interest rates than some competitors.

They offer an 8. Nebeus provides clients with numerous crypto-fiat services in more than 90 different countries. Those interested can make the most of their secure and fast loan program. With their crypto-backed loans, clients can convert any of their digital currency into cash and still keep using their digital currency. The way it works is relatively simple. If you want to secure a loan through their online platform, you first have to use your digital currency as collateral. Then, you wait to get a match for a probable lender and get fiat directly to your account.

With Nebeus crypto-debit cards, users can convert their digital currency to fiat on any ATM machine. This is a very practical option that many crypto-enthusiast have praised over the years. To top it all off, this program works in more than 3 million ATMs across different countries.

The sign-up process on Nebeus is exactly the same as any other site. You just add your email and name, pick a country, and enter a passcode. This is simple. The verification process is where it gets tricky.

You will have to verify the account via SMS, fill out a form, and attach a utility bill; then you are good to go. Bear in mind that all the terms you will add to the form will be displayed to potential lenders. This will increase your odds of getting a loan. The account verifying process takes a while and clients have to wait to get a loan. Loan approvals depend on the number of lenders ready to take a risk and sometimes can take months. You must be logged in to post a comment.

SECRETS ABOUT SPORTS BETTING

A brief history of Bitcoin bubbles. From Bitcoin to Asian tech stocks, these are the biggest winners and losers of the global markets. The biggest business scandals of Under Biden, expect more scrutiny of Big Tech and mergers. This story was originally featured on Fortune. Senator Josh Hawley, a bellwether of Donald Trump's "stop the steal" movement to overturn the election results, was watching the second day of impeachment proceedings against the former president from the gallery above the chamber.

The Trump loyalist, a first-term Missouri Republican, was seen at various points with his legs crossed, his feet propped up on the chair in front of him, and reviewing some sort of paperwork in a manila folder, according to several reporters with a view of the room from their seats in the press gallery.

Mr Hawley, along with Senator Ted Cruz of Texas and a handful of other Republicans, voted against the certification of Joe Biden's electoral victory on 6 and 7 January, even after a pro-Trump mob interrupted the day's proceedings with a bloody insurrection. Alexei Borisov was diagnosed by doctors as having a punctured lung, three fractured ribs and a broken tooth after he attended a rally on Jan. The year-old truck driver said he was injured by police who detained him after he led a march in central Ryazan, km miles southeast of Moscow, shouting "Freedom to Alexei Navalny" and slogans against President Vladimir Putin.

Two teenagers have been charged in connection with the rape and death of Ee Lee in Washington Park, Milwaukee in September Violent crime: Lee, 36, was found unconscious, still breathing but with severe injuries and undressed below the waist in Washington Park by "bystanders" on Sept. The Milwaukee County Medical Examiner's Office confirmed Lee was sexually assaulted and identified blunt force trauma to her head as the cause of her death. The U. The government will send doses to centers nationwide selected based on their proximity to vulnerable groups, such as homeless people and those with limited proficiency in English, they said.

Typically, vaccine doses would go to state governments for distribution to health centers. China has been accused by the US of genocide and crimes against humanity against the Muslim minority group. Businesses and shops closed in many parts of Indian-controlled Kashmir on Tuesday to mark the eighth anniversary of the secret execution of a Kashmiri man in New Delhi.

YouTube users who claim to be in the class reported that they had done "all sorts of things" to get his attention, but he simply ignored them. An investigation by the BBC and the charity Oxfam finds the money is not reaching the women it's meant to safeguard. The attack threatened to escalate Yemen's grinding war. No one was hurt in the assault, but the damaged passenger plane at Abha airport served as a powerful reminder of the danger that Houthi rebels pose to Saudi Arabia, which nearly six years ago launched a bombing campaign that has devastated the Arab world's poorest country.

Hours after the WHO team revealed preliminary findings at a Wuhan news conference on Tuesday, Washington said it wants to scrutinize data used by the team, which concluded that the virus causing COVID did not originate in a laboratory in Wuhan, and that bats remain a likely source. Former President Donald Trump was, by all accounts, furious at his impeachment trial defense team, especially lead lawyer Bruce Castor, panned across the board for his odd, rambling opening statement.

Castor declined to use "graphics or a video — tools his TV-obsessed client had hoped to deploy. He called Trump a "former president," said he "was removed by the voters," and argued that Americans are "smart enough to pick a new administration if they don't like the old one, and they just did. Castor was using Trump's status as former president to make his case, rejected by the Senate, that it's unconstitutional to try a president after he leaves office.

In fact, "Trump initially pushed his impeachment lawyers to make the baseless case that the election was stolen," the Post reports, "an approach they ultimately rejected while still arguing that the First Amendment protects their client's right to share misinformation and false claims. The tunnel was blocked after a huge flood in Uttarakhand state in which 28 people have been killed.

The ambush took place in the mountainous Maghara area in central Sinai when militants from a local IS affiliate established a fake checkpoint and opened fire on two vehicles carrying Bedouins, the officials said. This time around, they're on the same side, but it was a different story in , when Michael van der Veen, one of former President Donald Trump's impeachment lawyers, sued him. In August, van der Veen filed a lawsuit against Trump, the U.

The suit alleges that changes were made at the USPS to make it harder for people to vote by mail during the pandemic. Trump, the suit says, made "repeated claims" that mail-in voting is "ripe with fraud" but had "no evidence in support of these claims. In December, the firm hired Bruce Castor, who signed on last month to serve as one of Trump's impeachment lawyers.

Castor and Atlanta-based lawyer David Schoen delivered opening arguments at Trump's Senate impeachment trial on Tuesday, and van der Veen joined them in signing impeachment filings that argue Trump was free to claim election laws were changed illegally to taint the election, The Washington Post reports. Van der Veen, who did not respond to the Post's requests for comment, has donated to Democratic politicians in the past, including Rep.

Mary Gay Scanlon. She told the Post she would love to know if Trump realizes he hired someone who filed a lawsuit against him last year, adding, "It does seem a little out of character for the former president to embrace someone who so recently sued him.

But his impeachment lawyer Bruce Castor did, several times. One of Michigan's highest-ranking Republicans on Wednesday stood by his false claims that it is a "hoax" to blame supporters of then-President Donald Trump for the deadly Jan.

Sri Lanka will begin giving permission for Muslims who die of COVID to be buried, the prime minister said Wednesday, following an outcry over a previous ban. Ripple is aware of these trends, as evidenced from the positioning of their three offerings. Brad Garlinghouse and others from Ripple have spoken numerous times about points included in the above trend list, expounding on the steps that banks and financial institutions must take to plan for these global changes — and the increased consumer and customer expectations that go along with them.

Brad Garlinghouse was asked about some of the new front-end applications that have been popping up recently on mobile devices, including Apple Pay, Google Wallet, Alipay, Venmo, and others. He noted that despite the user-friendliness of these front-end innovations, that most were simply bypassing the settlement requirement until a later time, to provide the impression of instantaneous settlement. To truly settle a payment in real-time, a re-plumbing of the back-end must completely revamp the system, using the latest in blockchain technology.

Accomplishing this task end-to-end means payment certainty and most importantly, settlement. The application I was using indicated that the funds were not considered settled at the point of trade completion. This surprised me; if I can stream movies to my cell phone while in an airplane at 30, feet, why would it take brokerages multiple hours to completely settle a transaction? The ability to attach KYC information to the payload of a transaction is a standard part of the xRapid solution. Payment Service Providers PSPs can directly benefit from this technology; KYC procedures and their corresponding nation-specific regulations and requirements have long been a source of costs for banks and other organizations that service the remittance industry.

KYC is no small matter; one of my personal friends works at a large Midwest bank, and she indicated that various categories of that work is still heavily manual in nature; banks spend considerable amounts of money on this category of compliance.

This massive compliance expenditure by banks provides an opportunity for Ripple to call out these costs as a significant point in favor of Ripple technology adoption. What are these? They include the under-banked or even completely un-banked population of users who are either using non-traditional financing and payment paths, or are using new blockchain technology to meet their needs. This includes what CapGemini labeled as:. Traditional banks have had difficulty in meeting the demand for these for various reasons.

Typically, payment processing through traditional banks or service providers is cost prohibitive for transactions beneath a specific threshold. They include taxi fare, small purchases at coffee shops, online selling of small items, and even the monetization of online advertising. Although some newer payment processors such as PayPal have attempted to lower their costs to support micropayments, Ripple is perfectly positioned with XRP Payment Channels to make these types of transactions not only feasible, but profitable.

This effect dovetails with the another topic: Ripple is assisting the unbanked in developing countries. The goal of this collaboration with the Gates Foundation 6 :. It is available now, free-of-cost, for software developers to adapt and banks, financial service providers and companies to implement. XRP performs several functions beneficial to banks and financial institutions. While many of these benefits are impressive, the most important one is the cost savings.

When it comes to XRP, its use case is the driving factor behind its value. How much can banks save? The latest estimates vary based on exchange volatility; using XRP in addition to other Ripple technology is estimated to help banks reach the largest reduction in their costs — between 42 and 60 percent:. The highest cost savings are realized when XRP is used as an intermediary for transferring value from one fiat currency to another.

One of the companies that uses XRP for this purpose is Cuallix. It uses xRapid to service payments back and forth from the United States and Mexico. In addition to its ability to serve as a bridge currency, usage of XRP for transactions is nearly free. This ultra-low transaction cost, combined with a sub-four-second settlement speed, makes XRP the perfect candidate for global micropayment processing. This means that as more computing power is added, the number of transactions that can be processed each second increases.

They talk about the market as if it is something out there — outside of them — that is happening to them. It is only through active deprogramming and education that the XRP fan base alerts them to the fact that they can make a difference. This has led to grass-roots marketing efforts that have had a massive impact from a just a little bit of ingenious effort. In one case, an XRPChat moderator sponsored a program where fans could actually purchase physical coins with an XRP private key embedded, and send it to the moon aboard one of the Google X Challenger moon launches!

The XRP investor community wants to support Ripple and XRP in transforming banking and supercharging the world economy with real-time velocity of money. While other start-ups stand on the sidelines and wait for adoption of their latest fintech innovation, Ripple is successfully and effectively marketing their innovations and technology; blockchain technology is not as easily understood as the Internet. In the past, large companies controlled the entire flow and storage of all information for their business.

Financial industry leaders have to open their minds to something new — and a bit intimidating — a decentralized architecture of distributed ledger technology that offers an entry point to real-time, cross-border payments. Ripple is methodically expanding worldwide into a major technological company, and it handles itself with the nimbleness that made it strong from the beginning. The vast majority of us must earn money through diligent service of one kind or another, and for each person that considers placing some of their savings into an investment, decisions are not always clear.

Crypto has been receiving a lot of attention lately — even in the mainstream press — regarding investment returns that can range into the thousands of percent. But make no mistake — crypto is also regarded as high risk. When you purchase a crypto-currency with your fiat money, you are now embarking on what most personal financial planners would warn you about; an investment that has a potential of a high reward, combined with a potential of high risk of loss.

This missing piece is the reason for popularity of online forums where these topics are actively discussed. This indicates the slow and steady accumulation of massive amounts of XRP by either many investors, or a small group of very large investors. Combine this behavior with the fact that the average daily volume of XRP has now doubled. Each of these occurrences is like an early warning sign for a volcanic eruption in the market. The core team that created Ripple is larger than life; yet in my opinion, each of them acts very real , without regards for their newfound fame in crypto.

Books will be written about their accomplishments at some point, and my guess is that some classroom textbooks are already making room for a description of their contributions. Some of these lauded individuals have moved on to other endeavors in one form or another; but their creation has endured with Ripple and XRP. Ripple leadership has expanded to include titans of marketing, communications, international commerce, politics and technology; their influence extends to the loftiest corridors of the global payments hierarchy.

Ripple is noted for having a high proportion of technical experts, architects, cryptographers, and developers. Their team is expanding now into China, Singapore and India as they outgrow their start-up roots; Ripple is making a methodical transition into a technological giant. The main risk to the organization is overly-quick expansion, but they have many other examples in high-tech to draw upon to mitigate this risk. This announcement was purposefully timed by Ripple to coincide with the Sunday before the official beginning of the conference.

Add to that the fact that many of their previous and existing clients were all too eager to be involved in panel discussions and be recognized as one of the industry-leading banks implementing and using Ripple technology. When I first learned that Ripple had done a proof of concept with the Bank of England, I reacted with complete fascination; a central bank? To my knowledge, before Ripple, no central bank had ever worked with a fintech firm that was also the creator of a digital asset like XRP.

It was ground-breaking, and understandably made headlines across the fintech landscape. Fast-forward to last Monday. Over two dozen central banks attended from across the world to hear Ripple lecture about blockchain technology. Who started off the summit? Here is an excerpt 11 :. The last issue concerns the choice of technology used to support the CBDC.

The form and broad design of the CBDC eco-system will eventually reflect the development and maturing of fintech technologies. These technological and organizational choices raise several questions, such as: can the chosen technology be made secure, and can speed be maintained?

What does it imply as to who bears the costs of operating, maintaining, and developing the digital currency? It seemed to be a purposeful acknowledgement of the fintech companies most well-positioned to provide real-time domestic and cross-border payments, and Ripple is clearly the leader of the pack! However, Ripple is also pairing their market positioning with a precedent-setting rewards program for those banks early on the adoption cycle: the RippleNet Accelerator Program.

Ripple has set aside resources such as a volume rebate and an adoption marketing incentive. Sarah Marquer wrote:. In case you missed it, American Express signed with Ripple. The announcement of the American Express deal happened on Thursday, November sixteenth, and follows other high profile announcements such as Credit Agricole, Airwallex, Cuallix, and others.

Note that banks can currently save upwards of 33 percent of their costs of processing international payments 14 just using xCurrent:. The fact that Ripple is the first company to pioneer production use of a crypto-currency to transfer value for mainstream financial companies is astounding enough to impress most in the crypto market space.

Miguel Vias described this approach in an interview; in a recent test in October, a Ripple partner was able to integrate with and use liquidity that was provided by Bitstamp and Bitso. International payments and cross-border value transfer, combined with markets for ForEx trading, involve numbers that are too large for the human mind to comprehend. Quadrillions of dollars move across borders every year, and if we only look at the amounts that SWIFT is responsible for, you must keep in mind that this is an antiquated system where the velocity of money is severely restricted by an archaic system.

Some academics studied this phenomenon with regards to email. The number was Then the researchers counted the number of emails sent during after this innovation was completely adopted. The number was billion emails sent every day. While not a controlled or consistent experiment, the charting of this anecdotal example is dramatic:.

If we take this lesson and think about what aspects of this phenomenon apply to payments, the possibilities are intriguing. The conclusion is that we can take the current international payment volume levels and multiply by a factor to arrive at the true size of this market. What is that factor? This technology has the potential to transform entire economies. What did it? The additional exchanges that have added XRP to their global currency pairings?

Adoption of xRapid by financial institutions? Whatever the cause, those of us that actively track volume on a daily basis know that the normal numbers have now increased substantially. XRP Investors are quietly entering a new era. Ripple, the company, owns the most XRP.

As you can see, the majority of XRP is either held directly by Ripple or is considered to be in escrow by the end of Note that this last point is merely speculation, as Ripple has chosen not to make any official statement about the connection between the escrow amount and its lawsuit with R3.

Our goal in distributing XRP is to incentivize actions that build trust, utility and liquidity. We engage in distribution strategies that we expect will result in a strengthening XRP exchange rate against other currencies. We have a proven track record of doing just that. Their announcement in May about the lockup was received with a measurable amount of applause on social media.

The terms of the lockup were relatively flexible at the time of the announcement. However, as we near the final month of , the community of XRP investors is now anxiously awaiting news of the escrow lockup. As xRapid gains more and more traction through the end of and early , Ripple will be looking to forge massive gains in liquidity.

Looking back in history can be entertaining — the current levels of XRP liquidity are double the entire top ten crypto-currencies from just one year ago! The following statistics were provided by the founder of the XRP Discord group. The latest numbers as of the beginning of November :. Clearly, these charts include holdings by Ripple and possibly a small number of large investors. There are approximately , active XRP wallets at present.

It then places them into the indicated category:. As the amount of XRP in each bracket decreases, it indicates greater distribution of XRP across more newly-established accounts. This is the exact trend that we expect to see, and keep in mind that these dramatic differences occurred in only two months. XRP is destroyed by each transaction. How much is a drop? What is the reasoning behind both of these answers? The XRP fee structure is configurable based on a vote from the validators:.

Validators may do this for various reasons, especially to adjust to long-term changes in the value of XRP. When Ripple created the XRP Ledger, they carefully planned for a network specifically designed to support global levels of transaction volume.

Crypto investors are wise to actively track their investments, especially given the latest instabilities with Bitcoin. And the latest price movements and schisms within Bitcoin are historic in proportion. Bitcoin Cash, a little-known crypto outside of those that follow the industry, is now challenging Bitcoin for the top spot in crypto.

The volume measurements in crypto as these price movements happened in the last two days should be measured on the Richter Scale. But not in the last two days. The time frame when die-hard crypto fans can secretly and slowly accumulate XRP are drawing to a close — the final days of will hold some interesting surprises for XRP and all of crypto. As of the time of this writing, there are four videos available that show content from the meetups:.

This fee is not insignificant, and operates to deter frivolous wallet activation. Warren Paul Anderson had more to say about a totally separate topic than fees. He began with a very logical analysis of the history of Ripple and the XRP Ledger by analyzing some of the architectural choices and decisions made by the early team. The result 8 was dramatic:. Ripple is not content to rest on the victory that these performance metrics represent, however, or the fact that over 70 banks now use their software.

The conversation continued, and Warren Paul Anderson had this to say 4 about decentralization:. This commitment to building out the final ingredient for the next generation of global payments is very exciting; while XRP investors are not typically worried about levels of decentralization, banks, financial institutions, and other stakeholder organizations will rest easier knowing that the decentralization of the XRP Ledger has traversed to its ultimate destination; a stakeholder-run network of attested validators.

You might have missed it if you were watching the same video I was: It was a subtle comment about xRapid. And that the payload is actually the KYC sending beneficiary information; that payment information is attached to the payment. While this may seem like a small point to XRP investors in the crypto market, for banks this innovation will prove very attractive. Confusion continues to be the main outcome from this latest Bitcoin governance issue.

Who knows who else might be waiting for the lockup? In addition to the sheer scale of the value being moved, consider another factor — a factor that many economists and central banks have long been unhappy with:. It takes too long. Only when the transaction is clearly settled can the money then be used again for a new purpose. This example is a dramatic anecdote that underscores how broken the current value transfer system is when attempting to meet the expectations of consumers and customers.

Already, over 70 banks are currently using Ripple software in production to solve many of the problems obstructing real-time settlement. In addition, Ripple created a fintech innovation that enables any organization or individual to transform value from one currency to another using a digital asset, XRP.

Ripple is very matter-of-fact about why banks, financial institutions, remittance services, large businesses, and even the government will want to use XRP:. We can share information with any part of the world in seconds. We can livestream sportscasts to our iPad.

Yes, we can see the latest cat video on YouTube while sitting in an airline terminal. The examples of how fast and freely information flows in the modern world abound, and it has changed our life for the better.

If a person working in the United States wants to send money to their family in Mexico or another country, they must get it there using an electronic service. Currently, that process can take days if they go through a bank.

Ripple has studied the reasons in depth, and lists four 1 main problems:. The innovation of a digital asset has the potential to completely transform this model! In other words, they typically want two questions answered:.

Although an oversimplification, this explanation strikes at one of the central causes for high costs that banks face in the current cross-border value transfer infrastructure: maintaining liquidity in various banks and countries, and the costs associated with doing so. Understand that for large banks and financial institutions, this savings could very well translate into billions of dollars.

The costs savings available to organizations using Ripple technology alone even without XRP are considerable. This relationship between levels of cost saving and the usage of XRP is shown in the following 3 diagram:. So Why XRP? Why not Bitcoin or Ethereum? The answer has two parts that are both important, but for separate reasons:.

When you examine various crypto-currency options available in the market today, none have been created by a US-based company except for one: XRP. It was designed from the start to facilitate global value transfer across borders, and can transform any fiat currency into any other. The liquidity for XRP, along with the other top choices in crypto, is growing substantially day after day.

Bitcoin and Ethereum not only boast comparable volume numbers; they exceed them. If you just need a pool of liquidity, and someone else is building it, why should you pay to build it? The usage of XRP as a bridging asset appears to be heading in the direction of sourcing liquidity with high-volume exchanges. Recent developments indicate that xRapid or even other Ripple solutions could easily integrate with high-volume exchanges to provide the liquidity needed to complete currency-pair transformations.

In other words, to access the fiat necessary to complete a transaction, an organization might be able to source the liquidity and ultimate ForEx prices at specific exchanges. How will this access to high-volume exchanges be handled within xRapid? While the details remain internal to Ripple at the moment, excitement is brewing with the possibility that institutional use of XRP as a bridge asset will also potentially directly benefit exchange volume.

While Cuallix is already using xRapid in production to handle remittances to Mexico, xRapid was used in October in a transaction test by Ripple. Who is competing with Ripple? While there are some other platforms and solutions that offer value, none of these offerings can approach the unique openness and future thinking that the Ripple suite of software provides.

Other solutions such as R3 reflect backwards thinking. The R3 team has constructed Corda, a smart contract solution. It also seems to imply that banks dispense with their own ledger and instead opt for Corda. While some banks might find solace in the simplicity of this approach, the better strategy would be to utilize XRP and see for themselves just how much it can save. A new version of Corda was recently released in early October.

You may have noticed a number of new mobile payment applications springing up for end-users. These applications, such as Venmo, Apple Pay, and others serve to offer a very compelling front-end and even instant payment processing for end-users. They are not really real-time, and there is still very much a settlement risk that these large applications are merely avoiding. This would dramatically increase profits and lower risk for the businesses that are developing and deploying these mobile payment applications.

It also was a generational statement of transition — from a legacy organization like SWIFT — to a new technology company that is re-plumbing international payments; Ripple. When it comes to innovation adoption, the stages of technology maturation and usage have been studied in depth by researchers. After all, they have over 75 customers using their software in production. During SWELL, one of the panel discussions centered around the banks that have been a part of adopting Ripple technology ahead of the pack.

While this answer is an example of how banks are, in parallel, struggling with some of the basic questions around crypto-currency, it also serves to demonstrate an opportunity. Banks are in need of guidance, and so are governments. Coin Center is a nonprofit crypto-advocacy organization. Jerry Brito indicated that the guidance from the SEC echoed the thoughts and communications that Coin Center has had with that organization.

This affords the opportunity to clarify specific aspects of definitions contained within these regulations, including the definition of control of crypto-currency. The definition of control is important, because it has the potential to clearly separate the laws and regulations, simplifying much of the guidance so that individuals can continue investing in — and using — crypto-currency without hesitation.

Coin Center supports KYC procedures being under the umbrella of each exchange. This approach makes practical sense, but I still wonder if the topic of anonymous wallets or anonymous crypto-currency itself has really been dealt with, or just ignored until a body of judicial rulings accumulates. Ripple is now standardizing usage of xRapid, which involves banks using XRP as a bridge asset.

This solution has already seen its first production usage. These steps indicate that Ripple stands ready to streamline the usage of XRP with clear and consistent boundaries and guidance — an integral and necessary part of assuring their conservative bank customers that they can easily navigate regulatory conformance.

We are confident that XRP will succeed because it has a purpose — enabling financial institutions to send money across borders quickly, cheaply, and easily — that is relevant to businesses and consumers everywhere. While there are many reasons for businesses to use a digital asset, banks will find the cost-cutting associated with XRP to be the most persuasive of reasons.

Most experts agree that the storm created by massive returns on crypto investments has just begun. The phenomenon known as South Korea has shown its muscle — powering volume behind almost all of the top crypto choices. XRP traders, as well as some Ethereum traders, underestimated the impact that this relatively small country by population would have on price levels. From an XRP perspective, the addition of several prominent South Korean exchanges was very quick, with each racing each other to add XRP to their listings:.

At the time that each of these exchanges was added, I remember that my personal reaction was muted, because I was instead very focused and still am on the massive Japan banking consortium that has implemented Ripple software for both international and domestic payments. However, I soon learned the business influence that South Korea holds over the crypto markets!

While some of this can be attributed to growth in USD and EUR pairs at Bitstamp and Kraken, the bulk of this transition was due to increased activity on Korean exchanges. This acknowledgement was prompt and decisive, with the recognition by Ripple that no matter the cause, South Korea deserved their attention. Ripple has not fallen into the trap that some Western companies find themselves in — focusing on a silo of domestic or continent-specific customers.

JoelKatz , discussed the general steps involved in market adoption. We target an inefficient, but fairly high volume, corridor. In the West, USD is used as the predominant bridge currency. Likewise in Europe, the Euro serves as a common mechanism for transfer of value across borders. However, in Asia and the countries comprising the entire Pacific rim, this is not the case. While USD is still primarily used, it involves the costly approach of many nostro accounts, and the need for large organizations to source liquidity themselves — essentially putting large amounts of capital on ice.

Until now, these banks have opted to play a waiting game when it comes to blockchain technology. Banks do not like taking risks — they wait until technology maturation before consideration of an addition to their technology stack. While Japan is one of the most progressive countries when it comes to banking, it is requiring each exchange operator to register officially with the FSA in Japan Financial Services Agency.

Thus far, eleven exchanges have been approved 10 by the FSA:. This limited selection of exchanges also means that Japanese customers have a limited selection of crypto-currencies to trade directly against JPY as well; eleven coin options , compared to hundreds of choices for those crypto investors in the West. And yes, XRP is one of those eleven options. Ripple clearly understood the potential Japanese market, and one of the first banking partnerships was a consortium based in Japan — yet another example of forward strategic thinking by Ripple.

This joint venture was key in forming a banking consortium of more than 70 banks — primarily based in Japan. Each one of these banks is in the process of either deploying or using Ripple software to make cross-border or domestic payments; no other large Fintech has achieved this kind of traction in the banking space thus far.

Instead of resting on the significant accomplishment of including almost every major bank in Japan in a consortium, SBI Ripple Asia is now moving on to the next phase of its business goals, which seem to include strong promotion of XRP in Japan and in Asia in general. To me, this is an exciting development and shows how seriously Ripple is treating the opportunities in South Korea. Using blockchain for global payments is central to this revolution, and by dramatically reducing transaction costs, financial institutions and all users of the financial system will benefit greatly.

In fact, the United States has lost its dominance in world banking somewhere along the way, and currently has 10 banks in the top by total assets , whereas China has 19 banks in the top by total assets. Because of its status as the foremost worldwide banking powerhouse and industrial giant, technology adoption has been relatively quick among users, and the numbers are impressive.

With a population of 1. Here are some interesting developments since then:. While some predicted that Ripple would reveal new details regarding the Chinese expansion during the SWELL conference, Ripple has maintained silence thus far regarding the Chinese market. However, Ripple has a habit of carefully working with regulators and governments to comply with financial regulations and laws while leading clients through tough-to-navigate blockchain technology.

There are several major exchanges in China that list XRP. It was a large-scale effort that resulted in the usage of centralized technology to capture and store information linked to a number for every citizen. Aadhaar was the first step in an effort to demonetize the country.

Starting in , India is officially a cashless country, where all commerce happens electronically. Although exceptions still exist, India made the transition through a series of massive steps from November to the end of last year. India had various reasons why it opted to go cashless, but the after-effects were very positive from a financial perspective.

The next step or evolution for identity in India is the storage of personal information on a blockchain. A blockchain run by Indian banks. This blockchain-based solution would be available for any participating bank to utilize to perform KYC for customers. No existing blockchain solution will be utilized by SBI, however; instead, the State Bank of India and its partners are building one from scratch using Hyperledger Sawtooth — a modular platform for developing and deploying blockchains that Intel created as part of the Hyperledger project.

In early September, Ripple announced the opening of a new office in Mumbai, India. A quote from Navin Gupta:.

IN GAME BETTING LAS VEGAS

Each of these occurrences is like an early warning sign for a volcanic eruption in the market. The core team that created Ripple is larger than life; yet in my opinion, each of them acts very real , without regards for their newfound fame in crypto. Books will be written about their accomplishments at some point, and my guess is that some classroom textbooks are already making room for a description of their contributions. Some of these lauded individuals have moved on to other endeavors in one form or another; but their creation has endured with Ripple and XRP.

Ripple leadership has expanded to include titans of marketing, communications, international commerce, politics and technology; their influence extends to the loftiest corridors of the global payments hierarchy. Ripple is noted for having a high proportion of technical experts, architects, cryptographers, and developers.

Their team is expanding now into China, Singapore and India as they outgrow their start-up roots; Ripple is making a methodical transition into a technological giant. The main risk to the organization is overly-quick expansion, but they have many other examples in high-tech to draw upon to mitigate this risk. This announcement was purposefully timed by Ripple to coincide with the Sunday before the official beginning of the conference. Add to that the fact that many of their previous and existing clients were all too eager to be involved in panel discussions and be recognized as one of the industry-leading banks implementing and using Ripple technology.

When I first learned that Ripple had done a proof of concept with the Bank of England, I reacted with complete fascination; a central bank? To my knowledge, before Ripple, no central bank had ever worked with a fintech firm that was also the creator of a digital asset like XRP. It was ground-breaking, and understandably made headlines across the fintech landscape. Fast-forward to last Monday.

Over two dozen central banks attended from across the world to hear Ripple lecture about blockchain technology. Who started off the summit? Here is an excerpt 11 :. The last issue concerns the choice of technology used to support the CBDC. The form and broad design of the CBDC eco-system will eventually reflect the development and maturing of fintech technologies.

These technological and organizational choices raise several questions, such as: can the chosen technology be made secure, and can speed be maintained? What does it imply as to who bears the costs of operating, maintaining, and developing the digital currency?

It seemed to be a purposeful acknowledgement of the fintech companies most well-positioned to provide real-time domestic and cross-border payments, and Ripple is clearly the leader of the pack! However, Ripple is also pairing their market positioning with a precedent-setting rewards program for those banks early on the adoption cycle: the RippleNet Accelerator Program.

Ripple has set aside resources such as a volume rebate and an adoption marketing incentive. Sarah Marquer wrote:. In case you missed it, American Express signed with Ripple. The announcement of the American Express deal happened on Thursday, November sixteenth, and follows other high profile announcements such as Credit Agricole, Airwallex, Cuallix, and others. Note that banks can currently save upwards of 33 percent of their costs of processing international payments 14 just using xCurrent:.

The fact that Ripple is the first company to pioneer production use of a crypto-currency to transfer value for mainstream financial companies is astounding enough to impress most in the crypto market space. Miguel Vias described this approach in an interview; in a recent test in October, a Ripple partner was able to integrate with and use liquidity that was provided by Bitstamp and Bitso.

International payments and cross-border value transfer, combined with markets for ForEx trading, involve numbers that are too large for the human mind to comprehend. Quadrillions of dollars move across borders every year, and if we only look at the amounts that SWIFT is responsible for, you must keep in mind that this is an antiquated system where the velocity of money is severely restricted by an archaic system.

Some academics studied this phenomenon with regards to email. The number was Then the researchers counted the number of emails sent during after this innovation was completely adopted. The number was billion emails sent every day. While not a controlled or consistent experiment, the charting of this anecdotal example is dramatic:.

If we take this lesson and think about what aspects of this phenomenon apply to payments, the possibilities are intriguing. The conclusion is that we can take the current international payment volume levels and multiply by a factor to arrive at the true size of this market.

What is that factor? This technology has the potential to transform entire economies. What did it? The additional exchanges that have added XRP to their global currency pairings? Adoption of xRapid by financial institutions? Whatever the cause, those of us that actively track volume on a daily basis know that the normal numbers have now increased substantially.

XRP Investors are quietly entering a new era. Ripple, the company, owns the most XRP. As you can see, the majority of XRP is either held directly by Ripple or is considered to be in escrow by the end of Note that this last point is merely speculation, as Ripple has chosen not to make any official statement about the connection between the escrow amount and its lawsuit with R3. Our goal in distributing XRP is to incentivize actions that build trust, utility and liquidity.

We engage in distribution strategies that we expect will result in a strengthening XRP exchange rate against other currencies. We have a proven track record of doing just that. Their announcement in May about the lockup was received with a measurable amount of applause on social media. The terms of the lockup were relatively flexible at the time of the announcement. However, as we near the final month of , the community of XRP investors is now anxiously awaiting news of the escrow lockup.

As xRapid gains more and more traction through the end of and early , Ripple will be looking to forge massive gains in liquidity. Looking back in history can be entertaining — the current levels of XRP liquidity are double the entire top ten crypto-currencies from just one year ago! The following statistics were provided by the founder of the XRP Discord group. The latest numbers as of the beginning of November :. Clearly, these charts include holdings by Ripple and possibly a small number of large investors.

There are approximately , active XRP wallets at present. It then places them into the indicated category:. As the amount of XRP in each bracket decreases, it indicates greater distribution of XRP across more newly-established accounts. This is the exact trend that we expect to see, and keep in mind that these dramatic differences occurred in only two months. XRP is destroyed by each transaction. How much is a drop? What is the reasoning behind both of these answers? The XRP fee structure is configurable based on a vote from the validators:.

Validators may do this for various reasons, especially to adjust to long-term changes in the value of XRP. When Ripple created the XRP Ledger, they carefully planned for a network specifically designed to support global levels of transaction volume. Crypto investors are wise to actively track their investments, especially given the latest instabilities with Bitcoin. And the latest price movements and schisms within Bitcoin are historic in proportion. Bitcoin Cash, a little-known crypto outside of those that follow the industry, is now challenging Bitcoin for the top spot in crypto.

The volume measurements in crypto as these price movements happened in the last two days should be measured on the Richter Scale. But not in the last two days. The time frame when die-hard crypto fans can secretly and slowly accumulate XRP are drawing to a close — the final days of will hold some interesting surprises for XRP and all of crypto.

As of the time of this writing, there are four videos available that show content from the meetups:. This fee is not insignificant, and operates to deter frivolous wallet activation. Warren Paul Anderson had more to say about a totally separate topic than fees. He began with a very logical analysis of the history of Ripple and the XRP Ledger by analyzing some of the architectural choices and decisions made by the early team. The result 8 was dramatic:. Ripple is not content to rest on the victory that these performance metrics represent, however, or the fact that over 70 banks now use their software.

The conversation continued, and Warren Paul Anderson had this to say 4 about decentralization:. This commitment to building out the final ingredient for the next generation of global payments is very exciting; while XRP investors are not typically worried about levels of decentralization, banks, financial institutions, and other stakeholder organizations will rest easier knowing that the decentralization of the XRP Ledger has traversed to its ultimate destination; a stakeholder-run network of attested validators.

You might have missed it if you were watching the same video I was: It was a subtle comment about xRapid. And that the payload is actually the KYC sending beneficiary information; that payment information is attached to the payment. While this may seem like a small point to XRP investors in the crypto market, for banks this innovation will prove very attractive. Confusion continues to be the main outcome from this latest Bitcoin governance issue.

Who knows who else might be waiting for the lockup? In addition to the sheer scale of the value being moved, consider another factor — a factor that many economists and central banks have long been unhappy with:. It takes too long. Only when the transaction is clearly settled can the money then be used again for a new purpose.

This example is a dramatic anecdote that underscores how broken the current value transfer system is when attempting to meet the expectations of consumers and customers. Already, over 70 banks are currently using Ripple software in production to solve many of the problems obstructing real-time settlement.

In addition, Ripple created a fintech innovation that enables any organization or individual to transform value from one currency to another using a digital asset, XRP. Ripple is very matter-of-fact about why banks, financial institutions, remittance services, large businesses, and even the government will want to use XRP:. We can share information with any part of the world in seconds.

We can livestream sportscasts to our iPad. Yes, we can see the latest cat video on YouTube while sitting in an airline terminal. The examples of how fast and freely information flows in the modern world abound, and it has changed our life for the better. If a person working in the United States wants to send money to their family in Mexico or another country, they must get it there using an electronic service.

Currently, that process can take days if they go through a bank. Ripple has studied the reasons in depth, and lists four 1 main problems:. The innovation of a digital asset has the potential to completely transform this model! In other words, they typically want two questions answered:. Although an oversimplification, this explanation strikes at one of the central causes for high costs that banks face in the current cross-border value transfer infrastructure: maintaining liquidity in various banks and countries, and the costs associated with doing so.

Understand that for large banks and financial institutions, this savings could very well translate into billions of dollars. The costs savings available to organizations using Ripple technology alone even without XRP are considerable. This relationship between levels of cost saving and the usage of XRP is shown in the following 3 diagram:.

So Why XRP? Why not Bitcoin or Ethereum? The answer has two parts that are both important, but for separate reasons:. When you examine various crypto-currency options available in the market today, none have been created by a US-based company except for one: XRP. It was designed from the start to facilitate global value transfer across borders, and can transform any fiat currency into any other.

The liquidity for XRP, along with the other top choices in crypto, is growing substantially day after day. Bitcoin and Ethereum not only boast comparable volume numbers; they exceed them. If you just need a pool of liquidity, and someone else is building it, why should you pay to build it? The usage of XRP as a bridging asset appears to be heading in the direction of sourcing liquidity with high-volume exchanges. Recent developments indicate that xRapid or even other Ripple solutions could easily integrate with high-volume exchanges to provide the liquidity needed to complete currency-pair transformations.

In other words, to access the fiat necessary to complete a transaction, an organization might be able to source the liquidity and ultimate ForEx prices at specific exchanges. How will this access to high-volume exchanges be handled within xRapid? While the details remain internal to Ripple at the moment, excitement is brewing with the possibility that institutional use of XRP as a bridge asset will also potentially directly benefit exchange volume.

While Cuallix is already using xRapid in production to handle remittances to Mexico, xRapid was used in October in a transaction test by Ripple. Who is competing with Ripple? While there are some other platforms and solutions that offer value, none of these offerings can approach the unique openness and future thinking that the Ripple suite of software provides.

Other solutions such as R3 reflect backwards thinking. The R3 team has constructed Corda, a smart contract solution. It also seems to imply that banks dispense with their own ledger and instead opt for Corda. While some banks might find solace in the simplicity of this approach, the better strategy would be to utilize XRP and see for themselves just how much it can save. A new version of Corda was recently released in early October. You may have noticed a number of new mobile payment applications springing up for end-users.

These applications, such as Venmo, Apple Pay, and others serve to offer a very compelling front-end and even instant payment processing for end-users. They are not really real-time, and there is still very much a settlement risk that these large applications are merely avoiding. This would dramatically increase profits and lower risk for the businesses that are developing and deploying these mobile payment applications.

It also was a generational statement of transition — from a legacy organization like SWIFT — to a new technology company that is re-plumbing international payments; Ripple. When it comes to innovation adoption, the stages of technology maturation and usage have been studied in depth by researchers.

After all, they have over 75 customers using their software in production. During SWELL, one of the panel discussions centered around the banks that have been a part of adopting Ripple technology ahead of the pack. While this answer is an example of how banks are, in parallel, struggling with some of the basic questions around crypto-currency, it also serves to demonstrate an opportunity.

Banks are in need of guidance, and so are governments. Coin Center is a nonprofit crypto-advocacy organization. Jerry Brito indicated that the guidance from the SEC echoed the thoughts and communications that Coin Center has had with that organization. This affords the opportunity to clarify specific aspects of definitions contained within these regulations, including the definition of control of crypto-currency.

The definition of control is important, because it has the potential to clearly separate the laws and regulations, simplifying much of the guidance so that individuals can continue investing in — and using — crypto-currency without hesitation. Coin Center supports KYC procedures being under the umbrella of each exchange. This approach makes practical sense, but I still wonder if the topic of anonymous wallets or anonymous crypto-currency itself has really been dealt with, or just ignored until a body of judicial rulings accumulates.

Ripple is now standardizing usage of xRapid, which involves banks using XRP as a bridge asset. This solution has already seen its first production usage. These steps indicate that Ripple stands ready to streamline the usage of XRP with clear and consistent boundaries and guidance — an integral and necessary part of assuring their conservative bank customers that they can easily navigate regulatory conformance.

We are confident that XRP will succeed because it has a purpose — enabling financial institutions to send money across borders quickly, cheaply, and easily — that is relevant to businesses and consumers everywhere. While there are many reasons for businesses to use a digital asset, banks will find the cost-cutting associated with XRP to be the most persuasive of reasons.

Most experts agree that the storm created by massive returns on crypto investments has just begun. The phenomenon known as South Korea has shown its muscle — powering volume behind almost all of the top crypto choices. XRP traders, as well as some Ethereum traders, underestimated the impact that this relatively small country by population would have on price levels. From an XRP perspective, the addition of several prominent South Korean exchanges was very quick, with each racing each other to add XRP to their listings:.

At the time that each of these exchanges was added, I remember that my personal reaction was muted, because I was instead very focused and still am on the massive Japan banking consortium that has implemented Ripple software for both international and domestic payments. However, I soon learned the business influence that South Korea holds over the crypto markets! While some of this can be attributed to growth in USD and EUR pairs at Bitstamp and Kraken, the bulk of this transition was due to increased activity on Korean exchanges.

This acknowledgement was prompt and decisive, with the recognition by Ripple that no matter the cause, South Korea deserved their attention. Ripple has not fallen into the trap that some Western companies find themselves in — focusing on a silo of domestic or continent-specific customers.

JoelKatz , discussed the general steps involved in market adoption. We target an inefficient, but fairly high volume, corridor. In the West, USD is used as the predominant bridge currency. Likewise in Europe, the Euro serves as a common mechanism for transfer of value across borders.

However, in Asia and the countries comprising the entire Pacific rim, this is not the case. While USD is still primarily used, it involves the costly approach of many nostro accounts, and the need for large organizations to source liquidity themselves — essentially putting large amounts of capital on ice. Until now, these banks have opted to play a waiting game when it comes to blockchain technology.

Banks do not like taking risks — they wait until technology maturation before consideration of an addition to their technology stack. While Japan is one of the most progressive countries when it comes to banking, it is requiring each exchange operator to register officially with the FSA in Japan Financial Services Agency. Thus far, eleven exchanges have been approved 10 by the FSA:.

This limited selection of exchanges also means that Japanese customers have a limited selection of crypto-currencies to trade directly against JPY as well; eleven coin options , compared to hundreds of choices for those crypto investors in the West.

And yes, XRP is one of those eleven options. Ripple clearly understood the potential Japanese market, and one of the first banking partnerships was a consortium based in Japan — yet another example of forward strategic thinking by Ripple. This joint venture was key in forming a banking consortium of more than 70 banks — primarily based in Japan. Each one of these banks is in the process of either deploying or using Ripple software to make cross-border or domestic payments; no other large Fintech has achieved this kind of traction in the banking space thus far.

Instead of resting on the significant accomplishment of including almost every major bank in Japan in a consortium, SBI Ripple Asia is now moving on to the next phase of its business goals, which seem to include strong promotion of XRP in Japan and in Asia in general. To me, this is an exciting development and shows how seriously Ripple is treating the opportunities in South Korea. Using blockchain for global payments is central to this revolution, and by dramatically reducing transaction costs, financial institutions and all users of the financial system will benefit greatly.

In fact, the United States has lost its dominance in world banking somewhere along the way, and currently has 10 banks in the top by total assets , whereas China has 19 banks in the top by total assets. Because of its status as the foremost worldwide banking powerhouse and industrial giant, technology adoption has been relatively quick among users, and the numbers are impressive. With a population of 1. Here are some interesting developments since then:. While some predicted that Ripple would reveal new details regarding the Chinese expansion during the SWELL conference, Ripple has maintained silence thus far regarding the Chinese market.

However, Ripple has a habit of carefully working with regulators and governments to comply with financial regulations and laws while leading clients through tough-to-navigate blockchain technology. There are several major exchanges in China that list XRP. It was a large-scale effort that resulted in the usage of centralized technology to capture and store information linked to a number for every citizen.

Aadhaar was the first step in an effort to demonetize the country. Starting in , India is officially a cashless country, where all commerce happens electronically. Although exceptions still exist, India made the transition through a series of massive steps from November to the end of last year.

India had various reasons why it opted to go cashless, but the after-effects were very positive from a financial perspective. The next step or evolution for identity in India is the storage of personal information on a blockchain. A blockchain run by Indian banks. This blockchain-based solution would be available for any participating bank to utilize to perform KYC for customers. No existing blockchain solution will be utilized by SBI, however; instead, the State Bank of India and its partners are building one from scratch using Hyperledger Sawtooth — a modular platform for developing and deploying blockchains that Intel created as part of the Hyperledger project.

In early September, Ripple announced the opening of a new office in Mumbai, India. A quote from Navin Gupta:. Why should a cross-border transfer take any longer than an electronic transfer within India? The Indian market for XRP has untapped potential. To understand this potential, you must understand the big picture — currently there are very few exchanges that will support Indian Rupee trading with crypto.

While the volume on BTCXIndia has been very small compared to other exchanges, it is the first step in developing what could eventually be an incredibly large market for XRP. The National Payments Corporation of India is an umbrella organization for all retail payment systems in India. Starting in April of this year, several sources confirmed that NPCI was working to integrate Ripple technology behind the scenes.

The Pacific Rim is the largest battleground for Ripple. Current XRP volume is only a small sampling of what market adoption by much larger countries could accomplish. At present there is no contest about which country in Asia exerts the most influence on XRP price discovery:. One thing to keep in mind from this currently lop-sided volume distribution?

Crytpo-anarchists would have you believe that no trust is necessary for investing in Bitcoin. Although the goal of crypto-currency is to create a censorship-resistant, trust-less, decentralized medium of exchange, the actual creation falls far short.

Bitcoin is dependent on a centralized organization just like any technological creation based on computer code. After all, somebody has to update the code, right? So we have to ask the question — who do we trust to maintain the code that our new-found digital money relies on? Who are you trusting when you purchase Bitcoin? The Bitcoin Foundation? They have little say in what code is included in any updates from the Bitcoin Core team.

The Bitcoin Core team has seen some shakeup in members since its early days, and now it seems to be at the center of controversies with different BIPs and updates, forks, and questionable support from mining pools. The effect on the market leading up to the Bitcoin Cash fork in August was negative, to say the least.

Prices, after an initial surge in April and May, stagnated for months. This fork received a lot of media attention, despite very little interest from miners due to the fact that its sole purpose was to even the playing field for hobby miners running GPUs Graphics Processing Units , against those running ASICs Application-Specific Integrated Circuit. Segwit2X is now going to conduct a hard fork roughly around November 15 th. The next phase of Segwit2X is a hard fork, which might create a new alt coin that is relatively un-supported.

By the way, XRP is not centralized, despite what you may have heard. There was nothing they could do. China shut down centralized exchanges in their own country, and even if there was a high-volume decentralized exchange, it is easy and straight-forward to identify Bitcoin transactions on any network, because they are un-encrypted.

Stopping Bitcoin transactions or even rewriting them in-transit can be done at the same points where Internet traffic is routed — at ISPs. Most of Bitcoin mining is done currently in China — the same country that has shown the greatest interest in censoring the trading of the resulting coins! The largest mining pools are all located in China due to the relatively cheap cost of electricity versus other parts of the world. Ethereum represents a unique and incredible innovation in the use of a blockchain — to allow the execution of code on a blockchain.

It immediately sparked a rush of interest in encrypted smart contracts from private industry — many large players dove into the project, eager to learn about how to apply smart contract logic to real-world business problems. The native crypto-currency is currently ranked 2 in market capitalization.

In one opinion piece, Tuur Demeester indicated 4 that while Ethereum:. Yes, he provides several real-life examples where many have lost substantial amounts of money and market capitalization was adversely impacted. He also quotes Peter Todd 5 , who argued that a well-publicized Ethereum attack on September 18 th could have:.

This flexibility at the cost of network security is a definite cause for concern for anybody that has a material amount invested in Ethereum. A possible instant dilution of their investment is enough to make any trader take pause when it comes to a long-term hold of ETH.

While some ICOs are legitimate, the entire fund-raising scheme has been colored negatively by scam allegations. Because of its ability to support smart contracts, Ethereum has historically been the blockchain where most ICOs exist and operate — whether they are legitimate or not. This factor may result in an unintended consequence — attention from regulators when it comes to blockchains where code can exist in a decentralized manner. What about when critical global transactions are dependent on its transaction validation algorithm?

Switching the consensus model of a network might seem like a small project when you are just coding on a local computer, but keep in mind that the Ethereum Foundation has plans to change midstream from a POW model of consensus to a POS model. Why is this an important point to consider?

A US-based company like Ripple is subject to some very stringent laws regarding securities trading and money transmission. These include requirements that define how Ripple might interact with crypto markets and both institutional and retail crypto traders.

Other organizations like a non-profit foundation operate in more of a gray area that is under less scrutiny. In fact, it is now the premier company for helping banks to navigate through these tricky, uncharted waters of utilizing blockchain technology — while complying with regulations. This positioning of Ripple provides a certain minimum level of assurance for XRP investors that the company is not only keeping an eye on things — but that it is helping craft meaningful legislation.

United Way Worldwide oversees charity work in 1, communities in more than 40 countries. He took over the helm of United Way Worldwide in Brian embodied that standard. But Gallagher acknowledged that his exit comes at a tough time for United Way Worldwide, which recently instituted some layoffs at its Alexandria, Virginia, headquarters and temporary salary reductions for senior staff.

We got back to our roots by helping those in most need through any means necessary, and we did it together; a lesson we should pull forward. The AP is solely responsible for all content. Glenn Gamboa, The Associated Press. VANCOUVER — British Columbia's provincial health officer and attorney general are asking for a court injunction ordering three churches to follow public health rules banning in-person religious services.

The application in B. Supreme Court comes after the churches filed a petition challenging the province's prohibition on services, arguing they violate people's rights and freedoms. Bonnie Henry says in her response to the petition that the ban on indoor gatherings, including in-person religious services, is necessary to limit the spread of COVID in B.

She says transmission of the virus seems highest in settings of sustained interpersonal interaction indoors or in enclosed spaces, and loud talking, chanting and singing also increase spread. The churches are represented by a Calgary-based advocacy group, the Justice Centre for Constitutional Freedoms, which questions in a statement why people can gather in stores, gyms and bars but not places of worship. The Canadian Press.

Navy commanders met with sailors on ships on the West Coast Monday and Tuesday, after two recent racist incidents triggered one of the first military stand-downs to address extremism in the ranks. The meetings came after a noose was found on one ship, and hate speech was found written on a wall on another ship. But the discussions with sailors and admonishments by leadership were spurred by Defence Secretary Lloyd Austin's recent orders for all military commanders to meet with troops in the next 60 days to talk about extremism and racism.

Mike Gilday, chief of naval operations, said in a message to the force. No doubt, this is a leadership issue. We will own this. The Naval Criminal Investigative Service looked into the matter, and a sailor eventually confessed and was taken off the ship.

The ship was at the pier in San Diego when the incident happened, but it is now at sea. In the second incident, hate speech was written on a bathroom wall on the USS Carl Vinson, an aircraft carrier. It was discovered over the weekend and it is still under investigation. Officials declined to say what words were written. John Aquilino, commander of U. Pacific Fleet, abruptly flew from his headquarters in Hawaii to San Diego this week to address the issue.

He spoke with sailors on the two ships as well as others in the fleet, and held a number of meetings with commanders Monday and Tuesday. We will not tolerate it. It's that simple. Austin, the Pentagon's first Black defence chief, put out orders last week to his military leaders, saying they have to spend time talking to their troops about extremism in the ranks.

Over the weekend, he specified that each commander must set aside a one-day stand-down within the next 60 days to address the problem. Austin's chief spokesman, John Kirby, told reporters last week that while extremism has been a problem in the military in the past, the Jan.

He said Austin wants to get a better handle on the breadth of the problem. President Joe Biden declared domestic extremism an urgent national security threat in the wake of the riot. The crowd that breached the building as lawmakers were preparing to certify his election was overwhelmingly white and included members of far-right groups. Lolita C. Baldor, The Associated Press. The six-part series follows women in Brazil, California, Michigan and Puerto Rico, among other places, who overcome obstacles and do extraordinary things.

The women live in communities affected by violence, poverty, discrimination and oppression. But they actually are there on the ground, sweating and doing all they can to make the world a better place. She first began to understand her influence and responsibility in , when she starred in a solo movie featuring the character.

That was a very good fit for me. Internet options in Inuvik, N. Earlier this month, Northwestel announced it updated its service to the community. Previously, Northwestel's DSL internet in town ran over thin copper wires originally designed for phone services, which isn't compatible with unlimited internet. The fibre optic line was completed four years ago but communities are just beginning to get fibre-to-the-home internet from Northwestel now.

Anderson said more than 99 per cent of Inuvik will be able to access the internet through the new line, however the company is providing service to single-dwelling homes and businesses first. Fibre optic line help provide more services Northwestel is the second company in Inuvik to offer unlimited internet packages.

Company president Tom Zubko said the fibre optic link gives the company the means to offer more services than before. Northwestel is planning to have every community in the N. Yellowknife, Norman Wells and Hay River already have unlimited internet packages available. Anderson said the next goal is to set up fibre to the home in Fort Good Hope, Deline and Wrigley by Museum is resigning.

In a news release, the board says Lohman's departure was "mutually agreed" to be in the best interests of the organization as it "addresses current internal issues," without elaborating. The museum said Lohman was not available for comment this week and board chair Daniel Muzyka would not be available until Thursday. Muzyka recently told Global News that the results of an internal survey triggered by the Public Service Agency were being reviewed by the board and management, but he wouldn't provide details on its findings.

He said the museum was hiring a diversity inclusion consultant and implementing mandatory education programs for employees with a focus on trust-building, working with Indigenous people and culture training. Muzyka will serve as acting CEO until a replacement is found for Lohman, who is described by the board in the release as "an internationally recognized expert in museums.

Energy Minister Sonya Savage, after overwhelming public opposition, on Monday brought back a policy that keeps open-pit coal mines out of most of the province's Rockies and foothills. She added that her government made the policy more rigorous.

Some suggest that directive gives plenty of scope for exactly the kind of activity Savage says she has blocked. Bankes pointed out that Savage's promise to block mountaintop removal mines — which remove a peak to expose coal — doesn't affect one proposal to do exactly that near the Crowsnest Pass. That plan by Benga Mining Ltd. Nor does the reinstatement of the coal policy guarantee the Rockies won't see strip or open-pit mines.

The directive to the regulator only says mines on those sensitive landscapes must "not involve mountaintop removal. In the directive, Savage also points out that surface mining is not banned, but rather "would not normally be considered. It could have cancelled the coal exploration leases but chose not to. He said the decision follows a pattern of reversals under Premier Jason Kenney's United Conservative government, including not closing any provincial parks after saying it would and flip-flopping on whether to sanction caucus members who travelled outside Canada over Christmas.

That doesn't inspire trust, he suggested. He did the mea culpa. He didn't send someone else out. Alberta is already holding separate consultations as part of attempts to write regional land-use plans, he noted. Those talks have the legal weight of legislation behind them, but the role of public feedback on coal mines is unclear. I'm not convinced that we're any further ahead. Capitol on the day a deadly mob overran it. But it was recalling what she said to him next, after he assured her nothing like that would happen again, that made Maryland Democratic Rep.

Jamie Raskin break down. Five people died as a result of the insurrection. Trump is the first president to face an impeachment trial after leaving office and the first to be twice impeached. Though acquittal is likely thanks to Senate Republicans who have remained loyal to the ex-president, the proceedings have greatly raised the national profile of Raskin, who is serving as the Democrats' impeachment manager. On Tuesday, he punctuated harrowing accounts of rioters laying siege to one the leading symbols of American democracy by drawing on tragedy in his own life.

Raskin's grown daughter, Tabitha, and his son-in-law, Hank, accompanied him to the Capitol the next day — Jan. Raskin recalled how the pair wondered if going with him would be safe given Trump had exhorted his supporters to come to Washington for a rally championing the then-president's baseless claims that he lost November's presidential election because of fraud.

Of course they'd be safe, Raskin remembered responding, because "this is the Capitol. But on Jan. The most haunting sound I ever heard, and I will never forget it," he said. Health Minister Tyler Shandro says the tests will screen asymptomatic staff at all long-term care and supportive living facilities. Shandro says the tests are critical to keeping COVID from spreading and will begin as early as next week.

Rapid tests have been used since December at hospitals, homeless shelters and long-term care facilities deemed to be potential outbreak sites. The tests give results within an hour, allowing for quicker tracking and quarantining. Shandro said two-thirds of those deaths have been in long-term care or designated supportive living facilities. Deena Hinshaw, Alberta's chief medical officer of health, reported new infections Tuesday. There were 5, active cases.

In total in Alberta, 1, people have died from the virus. The league announced the February portion of its Canadian schedule in a Tuesday release. Stockton temporarily relocated from California to Calgary for the season. The Marlies and Senators are playing all their February games on the road as the Ontario government has not yet approved plans for them to play at home during the COVID pandemic.

Belleville will play four straight games on the road against Laval, while Toronto will split eight road games between the Moose and the Heat. A Canadian Holocaust researcher and his co-editor have been ordered by a Polish court to apologize to a woman who claimed they slandered her deceased uncle in a historical work that suggested he collaborated with the Nazis during World War II. The ruling has angered Jewish rights organizations in Canada and abroad, who say it serves to cover up the history of Poles who were complicit in the genocide of Jews during the German occupation.

Judge Ewa Jonczyk ruled Tuesday in Warsaw that scholars Jan Grabowski, a history professor at the University of Ottawa, and Barbara Engelking, director of the Polish Center for Holocaust Research in Warsaw, must issue a written apology to year-old Filomena Leszczynska for "providing inaccurate information" and "violating [her uncle's] honour. A short passage in the book said that Edward Malinowski, Leszczynska's late uncle, robbed a Jewish woman during the war and contributed to the death of over a dozen other Jews who were hiding in a forest in Lawyers for Leszczynska argued that her uncle was a Polish hero who had saved Jews, and that the scholars had harmed her good name and that of her family.

In her ruling, the judge ruled there were discrepancies in the woman's description of Malinowski's behavior. Three million Polish Jews were killed during the Nazi occupation, along with millions of others. Many Poles resisted the Nazis and fought back, while others collaborated and betrayed Jews to the Germans. Grabowski and Engelking plan to appeal. Dangerous precedent Critics say the case sets a dangerous precedent that threatens independent research into one of the 20th Century's darkest chapters.

The libel case has raised concerns internationally because it comes amid a broader state-backed historical offensive in Poland. The group said it is is reaching out to government leaders to urging them to speak out in the strongest possible terms against "Holocaust distortion in Poland.

A second generation of Hong Kongers is heading to Canada for refuge from political uncertainty, but unlike their parents in the s and s, this time seems for good. Cities such as Vancouver and Toronto are a magnet for those looking to escape as China tightens its grip on the territory of 7.

Back then, many families separated, with one parent staying in Hong Kong for work, usually fathers who were dubbed "astronauts" as they soared through the sky on visits.

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Kellogg F. Nichol M. Andreasen George Vandeman H. Richards Edward Heppenstall Herbert E. Baltimore Sun. Adventist World. Retrieved 25 May Categories : Christian publishing companies Card game publishing companies Religious tract publishing companies Seventh-day Adventist media Book publishing companies based in Maryland Magazine publishing companies of the United States Hagerstown, Maryland Washington County, Maryland Mass media in Hagerstown metropolitan area Privately held companies based in Connecticut Rocky Hill, Connecticut establishments in Connecticut Former Seventh-day Adventist institutions Seventh-day Adventist stubs United States publishing company stubs.

Namespaces Article Talk. Views Read Edit View history. Help Learn to edit Community portal Recent changes Upload file. Download as PDF Printable version. Add links. James White. Hagerstown, Maryland , USA. Mark B. Thomas, President. Part of a series on. During the s the magazine rotated through four different editions that had regular and feature articles focusing on different church issues and spiritual matters - the North American Division edition, Crosswalk edition, AnchorPoints edition, and Cutting Edge edition.

These different editions were phased out with the introduction of Adventist World magazine. For more historical information, see the Seventh-day Adventist Encyclopedia , the history article Our Roots and Mission by William Johnsson, or the archives listed in "External links" below.

Note that for limited periods, the evidence is uncertain because a group of people are listed as "editors". It is assumed that the first person listed is the head editor. From Wikipedia, the free encyclopedia. Media ministries. Ellen G. Andrews Uriah Smith J. Kellogg F. Nichol M. Andreasen George Vandeman H. Richards Edward Heppenstall Herbert E. Christianity portal Literature portal. Adventist Review. Archived from the original on 13 April Retrieved April 5, Archived from the original on Retrieved 5 October Seventh-Day Adventist Encyclopedia.

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Richards Edward Heppenstall Herbert Double chance betting predictions football. Views Read Edit View history. Download as PDF Printable version. Help Learn to edit Community as the Review and Herald. General Conference of Seventh-day AdventistsCategories : establishments in Maryland Weekly magazines published in the United States Religious magazines published in the United States Magazines established in Magazines published United States Hagerstown, Maryland Washington Seventh-day Adventist media companies based in Connecticut Rocky Adventist stubs United States publishing. Forex charts human capital investment. PARAGRAPHFrom Wikipedia, the free encyclopedia. Archived from the original on 13 April Retrieved April 5, Archived from the original on Retrieved 5 October Seventh-Day Adventist Encyclopedia. Andrews Uriah Smith J. Retrieved 25 May Categories :.

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