Views
Remittance Transfers: Policy, Practicalities, and Innovation
We explain why innovative financial technology solutions like Ripple’s matter.
Views
Views
Insider Perspectives
Views
Blockchain Can Improve Payments for Expatriates in the Gulf
Recent news coverage underscores the impact of high fees and poor FX rates for many expatriates in the Gulf countries sending money home.
Views
The Genesis of Swell by Ripple
Meet Swell by Ripple.
Views
ICO=IPO: Why the SEC Is Right to Regulate Initial Coin Offerings
This week the Securities and Exchange Commission (SEC) stepped into the ring to clarify that certain types of ICOs are actually securities.
Views
Nine Things You Need to Know About XRP
Like all digital assets, XRP is often a source of confusion, mystery and speculation. So, let’s clear the picture with 9 things you need to know about XRP.
Views
The Importance of Speed and Efficiency in Payments
The number of global financial transactions is enormous, yet the majority happen using dated technology that makes them slow, expensive and unreliable.
Views
The Internet of Value: What It Means and How It Benefits Everyone
Our vision is for value to be exchanged as quickly as information.
Views
Does It Matter How I Pay?
Our article discusses how payment laws and consumer protections apply -- or do not apply -- to some of the new ways to pay.
Views
How Payments Law Can Drive Innovation
Commercial rules, as well as expertise in payments law to craft them, are key for new technology to push on to become a mature enterprise infrastructure for a truly modern ...
Views
Don’t Believe All the Hype 3: Why Payments Are Worth the Blockchain Hype
Image: Shutterstock Previously I’ve warned banks against buying into much of the hype surrounding blockchain. Instead of being seduced by visionary long-term benefits, they should focus on areas that also ...
Views
Don’t Believe All the Hype 2: The Limitations of the Bitcoin Blockchain
Among the genuine excitement about where blockchain tech can take banks, there is also a lot of hype.
Views
5 Key Takeaways from Miguel’s Epicenter Interview
Miguel Vias, the head of XRP markets at Ripple, appeared on the Epicenter podcast to discuss XRP and its expanding role in global payments.
Views
Don’t Believe All the Hype Part 1: Where Banks Should Focus Their Blockchain Efforts
Among the genuine excitement about where blockchain tech can take banks, there is also a lot of hype.
Views
Ripple Supports Efforts to Drive Thoughtful Regulation
Ripple supports Washington, DC based Coin Center. Image: Shutterstock Innovation in banking often results from the convergence of three key domains: financial services, technology, and regulations. The regulatory framework is ...
Views
Putting Blockchain Theory into Practice at the Goldman Sachs Tech Conference
Ripple CEO Brad Garlinghouse discusses blockchain with Adam Ludwin of Chain.
Views
Do Corporate Giants Need Banks?
Banks haven’t kept up with the speed of today’s business. And if they continue to be slow to adapt, they’re going to get left in the dust.
Views
Q4 2016 XRP Markets Report
Image: Shutterstock Ripple is excited to publish the first of our quarterly XRP Markets Reports. In order to continually improve the health of XRP markets globally, we will share regular ...
Views
Ripple Comments on OCC Paper
Ripple encourages the OCC to take a balanced supervisory approach that is also flexible enough to clearly keep pace with a fast-changing financial industry.
Views
Announcing the Quarterly XRP Market Operations Report
Image: Shutterstock In an effort to continually improve the health of XRP markets globally, we are announcing the future release of the quarterly XRP Market Operations Report. Starting in January, ...
Views
A New Engine for Growth: Why the Next President Must Have Fintech on the Agenda
The next president needs to be very well informed about fintech, and really focused on the opportunity for our nation.
Views
Busting the Myths Around Blockchains
The evolution of blockchain technology has led to many misconceptions about what blockchains are and where they are headed in the future.
Views
Going Beyond Blockchain, Pt. 2: Ensuring Transaction Privacy
ILP is an emerging global technical standard that provides the same benefits as blockchains, but also ensures complete transaction privacy.
Views
Leave No Customer Behind
Ripple interoperates payment networks to serve global transaction needs and drastically improve customer experiences.
Views
Going Beyond Blockchain, Pt. 1: Enabling Scalability for the Future
The IoT cannot be fully realized unless the scalability limitations of today’s payment networks are addressed.
Views
Meeting the Needs of the New Corporate
Working with Ripple enables banks to service their corporate customers that need to send efficient payments across different payment networks, on-demand, in real time, at a fraction of the cost.
Views
Escaping the Blockchain Hive Mind
Stefan Thomas, CTO of Ripple, discusses the limitations of blockchain systems and promotes the advantages of the Interledger Protocol.
Views
Driving Network Adoption in Real-Time Payments
In countries without a strong, activist central bank pressing for adoption, real-time settlement is difficult to achieve. It will require cooperation and adoption between banks and fintech, as well as ...
Views
Celent: Cross-Border Payments Most Mature Use Case for Distributed Ledger Technology
Research and consulting firm Celent recently published a report on exploring distributed ledger technology (DLT) use cases in capital markets and corporate banking.
Views
The Internet of Things and the Future of Payment Systems
The Internet of Things cannot be fully realized unless the limitations of today’s payment networks are addressed to achieve the Internet of Value.
Views
The Cross-Border Payments Journey
Which cross-border payments journey would you and your customers prefer?
Views
Intesa CEO Sees Cost Synergy Opportunities
Increasing revenue and decreasing costs through greater efficiency in payments with Ripple can significantly affect a bank’s balance sheet.
Views
How Regulators Can Help Drive Innovation
Regulatory framework is a crucial aspect of innovation.
Views
Faster Payments: Faster Than What?
What do we mean when we say “faster” payments?
Views
Managing the Integration of Distributed Ledger Technology
In a new joint whitepaper, Accenture defines blockchain integration, providing a cross-border settlement scheme with Ripple as the core infrastructure.
Views
What to Know Before Adopting GPII: Part 2
With Ripple, settlement of funds is instant and certain, minimizing time delays even with several intermediaries in the payment process.
Views
What to Know Before Adopting GPII: Part 1
Ripple’s distributed financial technology modernizes global infrastructure, so funds settle in real time. Leading banks around the world are using Ripple to process real time payments today.
Views
How to Avoid Another Bank Hack with Distributed Financial Technology
These recent bank hacks highlighted the vulnerabilities in cross-border transaction banking, and particularly in the SWIFT network.
Views
Blockchain Summer Reading List
This summer reading list is intended to familiarize newcomers with blockchain technology, and help everybody catch up as blockchain goes commercial.
Views
What Killed the Killer Wallet?
Why has no clear leader emerged in digital wallets? Why is there no internet for money, no simple, all-in-one solution to the problem of how people pay for things?
Views
PSD2 and Blockchain: How Open API Access and Better Infrastructure will Benefit Banks and Fintechs
Opening up financial service APIs will bring the robustness and efficiency to the internet of value that the current stack for the Web already employs.
Views
3 Reasons Blockchain Technology Will Change Real-Time Payments
Blockchain or distributed ledger tech can play a critical role in remaking fundamental financial processes.
Views
New World, New Rules
As we work with banks around the world to connect with each other for cross-border transactions, part of that work is helping them craft rule sets that make sense in ...
Views
Partnership is the Future of Blockchain Tech
It is under the conditions of antiquated infrastructure in financial services and the growing customer demand for faster and cheaper services that experts are chorusing in favor of partnership.
Views
Banks Modernizing Core Systems Will Need the Help of Partners
Banks can save time and money leaning on fintech startups for help, instead of building technology from scratch in-house. Partnering with distributed ledger technology providers is something many banks and ...
Views
PwC: Fintech is Reshaping Financial Services
Financial institutions should make the most of their position of trust with customers, brand recognition, access to data and knowledge of the regulatory environment to compete. Financial services players might ...
Views
Blockchain Needs to Go Commercial in 2016; Ripple Has a Head Start
The opportunity for distributed financial solutions to reduce the friction in payments at financial institutions and large corporates is extensive, and most of the industry is eagerly awaiting commercial implementations ...
Views
McKinsey: Cutting Through the Noise Around Fintech
Fintech is knocking on the door; McKinsey advises banks that it’s time to open up. This is a conclusion we could not agree with more.
Views
Deloitte Banking Industry Outlook: Banking Reimagined
Deloitte's Banking Industry Outlook report predicts that the new world of payments will be blockchained, direct, and seamless.
Views
The First Step Toward Global Interoperability
Real-time systems are an important first step toward on-demand payments globally, but the industry already needs to work on the next step—interoperability.
Views
Euroclear: You Don’t Need a Blockchain to Fix Securities Settlement
Euroclear, along with consulting firm Oliver Wyman, has published a great report on the potential for the blockchain in the context of capital markets.
Views
Financial Professionals Believe in Billions of Blockchains
A million blockchains isn’t cool. You know what’s cool? A billion blockchains.
Views
Infographic: The Top 10 Payments Trends of 2016
Capgemini has a great new infographic detailing the top trends in payments this year.
Views
Susan Athey Talks the State of Payments, Blockchain and Ripple
Don’t get me started on the awesomeness that is economist Susan Athey.
Views
Goldman Sachs: Blockchain Drives Technological Awareness
For Goldman Sachs, the most important aspect of the blockchain is its influence—in driving both awareness of new technological approaches while leading the conversation and forcing the issue.
Views
Your Credit Card Will Cost You $400 in Fees This Year
Like they say, there's no such thing as a free lunch.
Views
Why Bill Gates Believes 2016 Will Be the Year of Financial Inclusion
According to Bill Gates, 2016 will be the year of financial inclusion—thanks to a convergence of digital payment technologies and smart regulations in developing economies.
Views
What People are Saying About Mike Hearn’s Bitcoin Takedown
When Hearn talks Bitcoin, people listen.
Views
The Road to Davos: Ushering in the Fourth Industrial Revolution
As the only distributed financial technology company invited to attend Davos this year, Ripple is undertaking one of the first tasks of this revolution: building the infrastructure.
Views
Ripple + EFF: Open Approach to Security Will Define Next Chapter of Finance
The existing industry approach to enterprise security is showing its age.
Views
2016 Will Be the Year You Realize You Don’t Need the Blockchain
For many, 2015 was year of the blockchain. 2016 will be the year that people realize they don't actually need it.
Views
6 Trends That Will Shape Global Regulations in 2016
CFTC commissioner J. Christopher Giancarlo outlined the six major developments he sees transforming global finance at Harvard Law School.
Views
Consumers Won’t Drive the Internet of Things But They’ll Be the Biggest Beneficiaries
Even your toaster will have a computer in it, a common imagery by those hyping the inevitable Internet of Things.
Views
The Internet of Things and the Internet of Value are Really the Same Thing
In digitizing the physical world it will make sense for devices to not only communicate with each other but also to be able to pay each other.
Views
Is Your Bank Basel III Compliant?
One of the biggest changes coming to banks is a new rule called Basel III.
Views
What a Fed Rate Hike Means for Cross-Border Flows
A rate hike by the Federal Reserve could spark trillions of dollars worth of cross-border capital flows.
Views
Why Central Banks Should Use Distributed Ledger Technology
How should central banks deal with the increasing use of distributed ledger technology? They could adopt it.
Views
The European Initiative to Unlock Banking, Explained
Banking upstart Starling has a great overview of Europe’s Payment Services Directive 2, which was successfully voted by European Parliament in October.
Views
Fintech Follow Friday: Sibos Edition
Recovering from Sibos for most people means sifting through a newly-acquired pile of business cards, remembering meetings and panel discussions, trying to put faces to the names on cardstock.
Views
Designing the New Ripple Logo
Ripple has come a long way in the last couple of years. We began as a consumer facing startup, which was when the original logo was designed.
Views
Understanding Blockchain Use Cases
While financial institutions are eager to jump on the blockchain bandwagon to signal their commitment to innovation, not every use case necessarily makes sense.
Views
Welcome Deputy General Counsel Jess Cheng to Ripple
As our regulatory responsibilities grow, Ripple has continued to expand its legal and compliance team.
Views
The W3C’s Mission to Standardize Web Payments
Just as important as building great technology is coming together and agreeing on standardized ways of doing things.
Views
Ripple and CGI Team Up
CGI announced this week that the IT leader is bringing Ripple’s distributed financial technology capabilities to their payments solution portfolio.
Views
On the Ground at Sibos 2015
Sibos 2015 is well underway in Singapore with over 7,000 banking industry attendees from 140 countries around the world. Here’s our recap so far.
Views
Ripple Arrives at Sibos 2015 in Singapore
With over 6,500 industry attendees, SWIFT’s annual conference is especially exciting for us this year given the growing prominence of distributed financial technology.
Views
Conversations at Sibos
Here are three topics that presenters at Sibos will add their voice to, and background on each that will help participants put them in context.
Views
Implementing the Interledger Protocol in Ripple
Ripple is thrilled to introduce the Interledger Protocol (ILP) for efficient payments across payment networks.
Views
A New Chapter for Ripple
Ripple is growing up. Two years ago, we decided that the most impactful strategy for achieving the Internet of Value was to focus on creating core infrastructure for banks, the ...
Views
Fintech Roundup: Fidor Launches in the UK, Sibos Attendance Breaks Record
Every other week, we’ll be offering a quick rundown of the most relevant news in finance and technology.
Views
Fintech Follow Friday
This is part of a series of recommendations on who to follow in fintech social media. Stay tuned for more. #FintechFollowFriday
Views
Looking Forward to Sibos 2015
We look forward to speaking with anyone attending. Those unable to attend the event can follow live updates on Twitter from @Sibos and @Ripple, as well as watching for tweets ...
Views
The Rise of Non-traditional Market Actors
In the wake of the worst financial crisis since the Great Depression, we’re witnessing a seismic shift in the markets—one that doesn’t involve the world’s biggest banks.
Views
Fintech Roundup: Nordea Partners with Accenture and Temenos, Google Launches Android Pay
Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.
Views
Welcome CFO Bret Allenbach to Ripple Labs
Bret’s a 20-year industry veteran, having spent time on the regulatory end of the spectrum, while also serving stints at both Visa and Paypal, where he held leadership positions.
Views
Fintech Follow Friday
Fintech Twitter is like a trip to the library. For free, you can browse the thoughts and publications of experts and influential thinkers while enjoying the company of others doing ...
Views
Bret Allenbach Joins Ripple Labs as CFO
Ripple Labs is thrilled to welcome Bret Allenbach as as Chief Financial Officer. Bret is a twenty-year industry veteran with experience at PayPal, where he was CFO of Payments, as ...
Views
Fintech Follow Friday
Twitter at its best like a cocktail party. The key players in fintech Twitter are the ones who add their thoughts and opinions to the stories of the day, enriching ...
Views
Fintech Roundup: Paypal Buys Modest, The Clearing House Weighs in on Payments Providers
Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.
Views
Building Public Infrastructure for Financial Institutions
One of the biggest challenges when it comes to developing Ripple is finding a solution that not only employs the latest technological innovations but also makes sense for our users, ...
Views
Fintech Roundup: FIS Buys Sungard, Greenspan Says Shelve Dodd-Frank
Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.
Views
IDC Report Highlights Ripple as Banking Industry Solution
A new report released by the International Data Corporation (IDC) presents research supporting Ripple, and placing our technology at the forefront of a developing shift toward distributed databases for financial ...
Views
Fintech Follow Friday
For many users, checking Twitter occupies the place in our morning held by the newspaper a generation ago.
Views
Fintech Roundup: Sri Lanka Moves Toward Real-Time Settlement, Silicon Valley Bank Acquires Standard Treasury
Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.
Views
Building an Open Marketplace for Moving Money
In building a better way to move money, creating a marketplace for liquidity is critical. After all, liquidity is the lifeblood of the world economy and the result of a ...
Views
Fintech Roundup: Stripe Partners with Visa, National Australia Bank Creates $50 Million Fintech Fund
Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.
Views
Compliance at Ripple Labs
The compliance team at Ripple Labs is expanding, a reflection of our ongoing commitment to regulatory compliance and policy along with the team’s evolving responsibilities. As such, we wanted to ...
Views
Fintech Follow Friday
Fintech Twitter is like a shared water cooler between finance and technology. If you’re looking to join the conversation, these are our recommendations on who you should follow.
Views
The Volcker Rule’s Impact on Market Making
The most regulated industry on the planet became even more so in the wake of the financial crisis. In the US, Dodd-Frank was signed into law in 2010, but its ...
Views
Former Treasury Official Michael S. Barr Joins Ripple Labs
Ripple Labs is pleased to announce that Michael S. Barr, a former U.S. Department of the Treasury official, has joined the advisory board.
Views
Fintech Roundup: Earthport Reaches Milestone, Deutsche Boerse AG Buys 360T
Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.
Views
Fintech Roundup: PayPal Valued at $50 Billion, Customers Choose Banks Based on Faster Payments
Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.
Views
Fintech Follow Friday
This is the first in a series of recommendations on who to follow in fintech social media. Stay tuned for more. #FintechFollowFriday
Views
Fintech Roundup: Paypal Invests in Cross-border, WEF Backs Innovation
Every week, we’ll be offering a quick rundown of the most relevant news in finance and technology.
Views
WiredMoney 2015 Highlights
The common thread that emerged in nearly every presentation was one of partnership; the necessity for new technology and legacy financial institutions to adopt and adapt to one another for ...
Views
Singapore’s Continued Investment in Banking Innovation
Singapore is fast becoming a center for financial innovation in Asia and the world at large. In October, the city will serve as a literal center; hosting the world’s premier ...
Views
What an Open Network Means for Banks, Market Makers and Regulators
One unique feature of Ripple is the open nature of the network, which has numerous benefits for banks, market makers, regulators and ultimately consumers.
Views
How Market Makers Make Money on Ripple
When boiled down to its most fundamental nature, market making is about “buying cheaply and selling dearly.”
Views
Market Makers and the Art of Liquidity
Though oft criticized—by the likes of Aristotle to the Occupiers of Wall Street—our endless thirst for liquidity is the reason why we have market makers.
Views
For Banks, It’s Time to Upgrade From the Telegraph
A good way to understand the state of payments is to consider the evolution of electronic communications technology.
Views
Meet Bluzelle, A Regulated Provider of Ripple Software Solutions
A new Vancouver-based company that provides platforms and services based on the Ripple protocol for businesses officially launched earlier this month.
Views
The True Cost of Moving Money
At this point, there’s an agreed upon consensus that the core infrastructure by which we move money around the world needs a serious upgrade.
Views
Financial Industry Betting Big on Innovation
There’s been a huge wave of investment in finance and banking innovation over the last few years and the biggest players are making sure they won’t get left behind.
Views
New York’s BitLicense Has Arrived
New York Superintendent of Financial Services Ben Lawsky has released the final version of BitLicense, sweeping new rules regulating digital currencies.
Views
Welcome Advisor Donald Donahue to Ripple Labs
Ripple Labs is pleased to announce that Donald Donahue, president and CEO of Miranda Partners, LLC and the former CEO of The Depository Trust & Clearing Corporation (DTCC), has joined ...
Views
Australia Embraces Faster, Smarter Payments
From banks to businesses to consumers, Australia has fully embraced the potential of smarter, digital payment technologies.
Views
European Commission Proposal: Open Banking by 2016
In order to accelerate retail banking innovation and simplify payments, the European Commission is mandating standardized API access across the EU.
Views
The European Union’s Mission to Transform Payments
For the world’s largest economy by GDP, the final challenge toward unification was always going to be figuring out how to allow money to move freely between European nations.
Views
Ripple Labs Managing Director Dilip Rao Talks Asia-Pacific Expansion
The office was established in response to growing demand for Ripple’s real-time settlement protocol in the region, and to more directly connect interested Ripple Labs partners in the US and ...
Views
Future Proof: Digitizing Singapore Banking for Cross-border Payments
The inevitable rise of Southeast Asia means that digitizing banks and mastering cross-border payments is the key to Singapore's economic future.
Views
Welcome Web Payments Officer Adrian Hope-Bailie to Ripple Labs
Ripple Labs is thrilled to welcome Adrian Hope-Bailie to the team. Adrian joins as Web Standards Officer, part of our ongoing initiative to help define the open standards that will ...
Views
W3C: Building the Internet of Value with Open Standards
In a new W3C blog post, Ripple Labs software developer Evan Schwartz outlined the need to standardize the digital transfer of money in order to achieve the vision of the ...
Views
Welcome COO Brad Garlinghouse to Ripple Labs
Ripple Labs is honored and thrilled to have a new COO. His name is Brad Garlinghouse, a Yahoo alum and Silicon Valley veteran who currently serves on the board of ...
Views
Ripple Labs Tech Talk: Understanding Consensus
Over 75 people attended the Ripple Labs Tech Talk for understanding consensus—as part of our ongoing initiative to better educate the broader community about Ripple technology.
Views
A Brief History of Standards
Since the beginning of recorded history, the process of standardization has set the stage for immense gains in collaboration, productivity, and innovation. Standards allow us to find collective harmony within ...
Views
Recap: Aite Group Examines Cross-Border Payments
Ripple Labs conducted our first Twitter interview with Aite Group senior analyst Nancy Atkinson to discuss the challenges surrounding cross-border payments.
Views
Former State Department Official Anja Manuel Joins Ripple Labs
Ripple Labs is thrilled to announce that Anja Manuel, a former U.S. Department of State official, has joined the advisory board.
Views
Employee Spotlight: ZZ Zhuang, Sales Operations Associate
Today’s featured team member is ZZ Zhuang, sales operations associate at Ripple Labs. As a member of the business development team, ZZ helps potential banking partners, settlement technology providers, and ...
Views
Ripple Labs Heads to Fidor Developer Day
This week, Ripple Labs heads to Munich, Germany for the Fidor Development Conference, hosted by Fidor Bank.
Views
Regulations & Compliance Update: U.S. Treasury, CSBS, and Canadian Senate
Ripple Labs believes that ensuring robust security, consumer protections, and safety are crucial as we move toward improving payment systems. To this point, we remain engaged with regulators to ensure ...
Views
Employee Spotlight: Geert Weening, Lead Software Engineer
The Employee Spotlight is a new video series highlighting team members and culture at Ripple Labs.
Views
Prime Minister Xavier Bettel of Luxembourg Visits Ripple Labs
Ripple Labs is honored to have hosted Prime Minister Xavier Bettel of Luxembourg, who visited our offices in downtown San Francisco on Wednesday.
Views
Meet Norman Reed, General Counsel at Ripple Labs
Bringing a wealth of experience—from the New York Fed to the SEC in D.C.—Ripple Labs is thrilled to announce that Norman Reed has joined the team as general counsel.
Views
Promoting Web Payment Standards and Interoperability With the W3C
Ripple Labs has joined the W3C Web Payment Interest Group as we continue our mission to enable the world to move money as easily as information moves on the web ...
Views
Meet Chris Kanaan, VP of Engineering at Ripple Labs
Chris Kanaan joined Ripple Labs two months ago to become the company’s VP of Engineering. The Yelp alum and Stanford grad is working closely with Ripple Labs CTO Stefan Thomas ...
Views
The Fed’s Strategy for Improving the U.S. Payment System
The Federal Reserve Bank has released its highly anticipated strategy report for improving the U.S. payment system and Ripple could play a starring role.
Views
Ripple: Benefits for Regulators and Payment Systems
Continuing our dialogue with regulators about efforts to build more efficient, safer payment systems, Ripple Labs recently detailed the benefits and implications of a distributed network to the UK’s new ...
Views
Ripple Labs 2014: A Year in Review
For Ripple Labs, 2014 was the year in which we not only clarified our strategy for building the Internet of money but also made large strides in turning that vision ...
Views
Building the Internet of Money (Video)
Explaining what Ripple is can be hard. To make things a little easier, we made a video! For Ripple Labs, it’s an opportunity to share our vision of the Internet ...
Views
BitLicense: How Ripple Labs Approaches Regulations
While the early days of the web provide an intuitive roadmap for how the emergence of digital payment protocols and the ecosystem that surrounds them will evolve over time, there’s ...
Views
Karl-Theodor zu Guttenberg Joins Ripple Labs Advisory Board
Ripple Labs is thrilled to announce that Karl-Theodor zu Guttenberg is joining the advisory board. Mr. zu Guttenberg is the Chairman and a Founder of Spitzberg Partners LLC and has ...
