This whole fiasco shines a light on how centralized and how terrible the governance is in the BTC community.  The possibility of a "re-org" and rolling back a transaction is in itself disastrous to BTC long-term.  The fact that Lubin would even entertain a discussion of this being a possibility severely cuts at the trust of immutability. 

When (not if) BTC falls from its top position using the flawed market cap #'s will it still be called the "altcoin market"? 

I sure hope you all are buying XRP right now.  Aside from XRP there are a few other alts which are actually solving a real world problem for customers and developing momentum.  The prices are a distraction from what's happening beneath the surface.  As for custody, Polysign cannot come soon enough! 

Keep up the great work team!  Along with XRP I plan on holding my FCT long-term and Have been making consistent small buys for the past 5 months.  I’m very confident in both of these projects over the long-term.  It’s so great to see real world adoption.

Die?? Haha, its incredible how ignorant so many people can be.  Look into Coil, Xpring, new features of XCurrent and also understand the partnership with R3 and why the Corda Settler has selected XRP as the only obvious choice to settle cross-border payments.  Do some research on SBI, Temenos, SAP and XRP.  XRP is the fastest, most secure and least expensive way to facilitate payments that also has the necessary liquidity in a variety of markets.  All other coins with similar technical merit have ZERO liquidity including XLM and Nano. XRP will be used at scale throughout Asia and the Middle East before the end of 2019 and in other markets where there is regulatory clarity.

I think at the start of 2018 XRP had about 46 direct FIAT on ramps globally.  Currently there are about 210+ FIAT pairings for XRP globally.  No other digital asset is building global liquidity like XRP, especially throughout Asia, Middle East, Brazil, Philippines and Canada.  In Jan 2018 Coinbase definitely had the upper hand but at this point I'd say that coinbase NEEDED XRP more though its no doubt mutually beneficial.  Especially when you consider that Bakkt, Etoro and others will be breaking into the US market likely later this summer/fall.   I expect further delays into the Fall regarding these exchanges but they are coming.  Coinbase will be a very small fish 2 years from now.  

haha, so much fiction happening in this thread.  Here's another Forbes article to consider...

https://www.forbes.com/sites/thomassilkjaer/2019/03/07/14-common-misunderstandings-about-ripple-and-xrp/#ad4292371d0b

Don't believe everything you read and do your own research.  Lots of other misunderstandings cleared up here:

https://fudbingo.com

Great, thank you.  I like the daily email updates and the monthly newsletters and look forward to continued adoption for the Factom community.  Its one of the most promising enterprise level solutions with very little retail visibility.  In due time... I plan on holding through 2024 or longer if needed.

[/quote]

"Competitive advantage"?!? Where's the competitive advantage of using Ripple, instead of your own blockchain?

Ripple is centralised...
[/quote]

The competitive advantage is that the XRP ledger is very decentralized.  Ripple, the payments company based in SF is centralized.  You are confused.  JPM and any other private bank coin is recreating the same current inneficiencies on a DLT.  JPM doesn't trust HSBC who doesn't trust Citi however they realize that Ripple only controls 5% of the XRP ledger and thats powerful.  Not only is XRP the fastest, cheapest and most scalable asset WITH the necessary liquidity to handle payments at scale but no one is even close.  The team at XLM isn't building the necessary liquidity to run payments through it without massive slippage on exchanges.  Whether you like it or not, 60+ central banks will be issuing their CBDC's over the next 5 years and XRP will the BRIDGE ASSET.  XRP will be the BRIDGE ASSET for fiat and any private bank coins for cross-border payments and will even handle some domestic rails.  Just do your research, real research though and not reading the garbage on the ad based sites.  Dig into temenos, SBI, SAP and R3 and XRP.  You will be blown away by what is happening just behind the scenes.  Read recent publications from the IMF, listen to Christine Lagarde.  Don't blindly listen to others on bitcointalk and think you have it figured out.  Buy XRP and hold for 5 years.  You'll thank me later. 

You MUST be able to clearly answer ALL of the questions below before you should ever consider buying

What are the goals with your investment?
What is your investment time horizon?
Are you trading or investing?
Do the projects you are considering investing in have clear a clear and defined use case?
      a. How big of a real world problem are they solving?
Do they have a solid team in place and well funded?


The only way you can hold yourself accountable is to invest only with money you are comfortable losing and have ultimate goals with the investment.

If you don't understand the global payments space than you won't understand how this is actually very positive for XRP.  XLM is irrelevant as they don't have a team able to build the necessary liquidity to process even micropayments consistently through any corridors without costly slippage.  What JPM is doing is simply creating some efficiencies within their own existing network.  But no competing bank will adopt it.  The only way a bank backed coin such as this is a threat to XRP is if you believe all global banks will agree on a single coin to use putting aside competitive and geopolitical differences.  Ripple is a centralized company however XRP and the XRP ledger are decentralized and permission less.  It's open and more decentralized than BTC or ETH while being the fastest and cheapest to use.  It was specifically designed to handle high-volume payments and the ecosystem continues to grow.  Currently its being used to send value across 44 currencies globally and liquidity is rising!  XRP will end up being the bridge asset between competing banks including central banks.  What these bank backed coins are doing is just creating more walled gardens and less efficiency amongst each other. 

I'd say there is a 25% chance that XRP is valued higher than BTC by the end of 2019 and I'd say there is a 80-90% chance its valued higher than BTC by 2021.  Proof of work has proven to be insecure (see ETC) and lead to greater centralization.  It's now scary how easy and profitable carrying out a 51% attack on POW coins including BTC.  Also, the XRP ledger is much more decentralized than either BTC or ETH.  Currently Ripple only controls 5% of the validators on the XRP ledger and its getting smaller and smaller.  The fact is that the Lightning Network is a mess and can't offer certainty.  Without this there is zero chance that BTC fulfills its original use case.  On the other hand XRP's ecosystem is expanding rapidly and soon network effects (Metcalfe's Law) will take shape.  It's game over from this point.  Until now crypto has been based completely on speculation and now it will be utility driven demand which drives the price.  XRP is uniquely positioned to solve the $27 TRILLION dollar nostro/vostro problem. 

Oh and for everyone spouting incorrect FUD such as they will create more... please read and educate yourselves.

https://fudbingo.com

Seriously? Do you know that XRP coin has no use on the Ripple platform? The platform can operate without XRP coins at all! The only objective of this coin is to make developers rich. All coins are pre-mined and concentrated in developers hands. So, when they want money thay sell these useless coins to hamsters. Please, take some time and search info about Ripple platform. It'll save your money.
[/quote]

Right, and I can ride a horse from NY to Miami but I think I would rather fly in an airplane.  Customers can send payments via Swift GPI or Ripple's XCurrent but both solutions still settle in FIAT.  XRapid and now R3's Corda Settler allow for Real-Time Gross Settlement using XRP all without the clients needing to hold XRP.  Its facilitated through market makers (exchanges).  The new version of XCurrent includes a feature called Multi-hop which allows for clients to settle in XRP in corridors with appropriate liquidity with no additional risk or compliance issues.  Given that XRP is rapidly expanding liquidity worldwide time is running out if you are betting on the current correspondent banking system to remain status quo.  Are you even aware that banks and corporates are holding >$10 TRILLION FREAKING DOLLARS in nostro/vostro accounts worldwide just sitting idle because the current SWIFT system requires these pre-funded accounts to do business globally?  XRP is the only digital asset set up to solve this >$10 T problem.  Nothing else is fast enough AND has appropriate liquidity and trust in the market- certainly not Nano or XLM.  XRP will be the global standard for cross border payments.  I'm holding XRP for 5 years and will retire, will you?  

Oh and for all the other scared FUD out there check out this website...

https://fudbingo.com

People, its already done.  What are you waiting for?  R3 holds likely somewhere between 2-5B in XRP.  R3 and its corda settler (which exclusively use XRP to settle) have struck an agreement to integrate with Swift GPI.  It's done... XRP will be used to settle cross-border Swift GPI payments later this year or next year along with other Corda Settler partners along with XRapid partnerships AND others who just want to use XCurrent and the brilliant multi-hop feature.  Brilliantly banks and corporates wont have to hold xrp to settle payments with it if they choose.  The internet of value is happening thanks to XRP.  Buy your XRP me in the next month or so and wait 5 years.  be glad the market is in the dumps now.  

Oh and whatever the rankings are in CMC is not what we should be paying attention to.  How about paying attention to the fact that Ripple is hiring a Head person for CHINA!  Focus on the fact they are hiring as many integration engineers as they possibly can?  Ever wonder why they would need a shitload of integration engineers?  Hmm, I wonder why? haha.  Don't be distracted by the bullshit people.  Look at what's happening ahead of the sheep.  Ripple is hiring in key markets and hiring to expand the ecosystem RAPIDLY!  They have 200 customers now and are planning on 1000 by the end of 2020.  Somewhere between now and 1000 network effects take shape and the expansion takes on a life of its own.  Buckle up and HODL!

As an XRP holder I know exactly how much XRP will ever be in existence (100B) although it gets smaller and smaller due to the burn rate and deflationary nature.   But whatever the circulating supply is that most use to determine market cap I could care less about.  It doesn't make any difference to me where XRP stands on the coinmarketcap rankings.  I only care about fundamentals and that the XRP ecosystem is building, growing, expanding at a staggering rate.  It's so blatantly obvious that XRP will be used at scale for remittences in Asia, Middle east, Brazil and Mexico in Q3 and Q4 this year.  Research R3, Corda Settler and XRP, SBI, SBIVC and XRP, Temenos and XRP, SAP and XRP.  Once the world sees that XRP functions beautifully to execute large-scale remittences and cross border payments FOMO the likes of which no one here has experienced will transpire.  Buy and hold people.  Stop being distracted by what the actual amount of circulating supply is- that's bullshit.  XRP works and is in the beginning stages of solving the Internet of Value and the $10+ TRILLION dollar nostro/vostro problem. 

Codius is the smart contracts solution that the team at Ripple released a few months ago.  You'll be hearing much more about this later in 2019 regarding the derivatives market.  Codius is more robust than Ethereum and easier to use.  XRP is the perfect complementary digital asset to codius because it can process 50,000+ transactions per second, cost 1/100th of a penny per transaction, and uses almost no wasteful energy in the process.  Also, the XRP ledger is very decentralized with Ripple only controlling 7% of the validators.  Eth can only process 15 transactions per second and for the foreseeable future is stuck on a dying POW ship.  Also, with the R3 collaboration you'll be seeing a massive increase in XRP utility driven demand throughout Q3 and Q4 this year as banks and payment providers begin using it at scale throughout Asia, Middle East, Northern Europe, Brazil and Mexico initially.  The US will follow as we've seen wonderful legislation brought forth in Wyoming this week.  The last I heard, moving off of POW could take ETH as long as 2 years!  2 years from now its possible XRP will be moving $100 Billion a day in volume.  It won't matter at that point whether BTC or ETH or any other POW coin goes down the toilet.  

Ripple's fundamentals, as good as they were before the dec 17' run, have become exponentially stronger through 2018.  Even if they just maintain this pace of RippleNet adoption and companies deciding to use XRP in their payment flows than Metcalfe's Law will take shape before Q3 this year.  Once that happens its an avalanche of growth regardless of the market sentiment.  Buy now people, maybe there will be another month or 3 of low prices but when the train leaves this time its not coming back because of all the utility driven demand of XRP in enterprise client's payment flows.  

Ripple the company die or XRP the decentralized and independent digital asset die?  Please try to be more clear as Ripple only controls 7% of the XRP ledger and only 27% of the UNL's for consensus and these numbers are dropping nearly every month.  I suppose whichever you were asking about the answer appears rather unlikely, haha.  Check out this article from just this morning and the website below it for clarity on a number of often misunderstood topics.

https://www.americanbanker.com/news/could-ripples-xrp-replace-correspondent-banks-this-bank-says-yes

https://fudbingo.com

So simple- XRP.  No digital asset comes anywhere close in terms of fundamentals.  Just spend 5 minutes reading this excellent Q4 XRP report based totally on facts.  The liquidity being developed with XRP is staggering.  9 new exchanges have added XRP as a BASE PAIR in the past 3 months.  This is BTC's only current functional use case!  The current price should be a distraction focus on the fundamentals.  XRP is so undervalued right now!

https://xrpcommunity.blog/q4-2018-xrp-adoption-report-actions-speak-louder-than-words/

Ripple is centralized, XRP is very Decentralized.  Ripple only controls 7% of the XRP Ledger and only 27% of the UNLs and that's dropping.  If you look into the fundamentals of XRP and ignore the price (because its still coupled to dying BTC) than you'll see that its massively oversold and way undervalued.  Ripple has had an incredible year fostering the development of the XRP ecosystem while at the same time removing their control of the ecosystem.  The blog below just shows what's happened in Q4.  Incredible.  And XRP wasn't designed as a currency.  It's designed as a bridge asset allowing for instant movement of value globally with FIAT or other assets.  I'm buying and holding XRP for 5 years then will re-evaluate.  

https://xrpcommunity.blog/q4-2018-xrp-adoption-report-actions-speak-louder-than-words/

Good morning, you are misinformed on a few points here.  Below is a website with proof, please review and let me know if you have any questions.  Ripple, the company is obviously centralized however XRP, the token is extremely decentralized.  As of this writing Ripple only controls 7% of the XRP Ledger and 27% of the UNL's and those numbers are dropping.  Also, while the founders do hold 20% of the total supply they have selling restrictions.  The agreement they have with Jed McCaleb of Stellar is that he cannot sell more than 1% of daily XRP volume.  This is done specifically so that his XRP sales cannot negatively effect the market.  The team at Ripple are a collection of the best and brightest around the world.  Larsen is on the board of the IMF, Zagone involved in the US Fed faster payments task force.  Treacher former board member of SWIFT.  Marjan Deletinne former senior SWIFT employee.  Susan Athey on the board of Ripple.  The bottom line is that XRP is becoming more and more decentralized every day as new UNL's replace Ripple's UNL's and the team at Ripple know the future and are preparing 5 years ahead of the competition. 

Also, Governments will be releasing their own Central Bank Digital Currency's (CBDC's) and this will actually support faster adoption of XRP.  The CBDC's will allow people to feel more comfortable with digital assets and governments will increasingly use them however they still need a decentralized and trustless SETTLEMENT asset and this is where XRP steps in. XRP was not designed to be a currency, it was designed as a settlement asset whether for FIAT, CBDC's or any other form of value between centralized entities such as governments of b2b.  XRP has a very bright future.  Good luck to all!

https://fudbingo.com