10 Things You Need to Know About XRP

XRP는 화폐 통화간의 중간다리 역할을 합니다. 이미지: 셔터스톡

Of all the digital assets on the market, XRP is the one that continues to turn heads. The digital asset’s value surged from $0.006 in January 2017 to $3.60 by the beginning of January 2018 — an increase of more than 59,000 percent. Through its holdings of XRP, Ripple is now one of the most valuable startups in the U.S., after Uber, Airbnb, Palantir and WeWork.

Yet, like all digital assets, XRP is often a source of confusion, mystery and speculation. So, let’s clear the picture with 10 things you need to know about XRP.

1. XRP는 금융 기관과 결제 서비스 제공업체를 위해 명확하게 설계된 유일한 디지털 자산입니다.

대부분의 디지털 자산에는 분명한 목적이 없습니다. 이들은 아마도 가치 저장, 상품구매 또는 고객 거래를 위해 사용되고 있겠지만, 하나의 명시적인 적용을 위해 만들어지지는 않았습니다. 이와는 대조적으로 XRP는 특별히 가치 전달 및 기업 사용을 목적으로 생성된 실질적이고 명확한 사용사 사례를 보유한 몇 안되는 디지털 자산 중 하나입니다.

2.  XRP is the most scalable digital asset

XRP is the fastest, most scalable digital asset. Its five-year track record of reliable technology and governance makes it ready for institutional and enterprise use. Since its inception, all ledgers have closed without issue. In addition, the XRP ledger handles 1,500 transactions per second, 24×7, and can scale to handle the same throughput as Visa.

While other digital assets have struggled to establish a strong use case, XRP is the best digital asset for payments — ultimately enabling the Internet of Value.

3.   It acts as a bridge between fiat currencies

Some digital assets, like Bitcoin, aim to replace existing government-backed currencies. XRP works with fiat currencies on more than 10 digital exchanges to help transfer value across borders quickly and efficiently. For example, a Mexican company who wants to pay a supplier in Korea today would either need to pre-fund an account in Korea or go through a foreign exchange provider like a bank. Both options are expensive and slow. With XRP, the company’s Mexican bank or local payment provider allows the company to make the payment instantly and on demand. With no account pre-funding or foreign exchange fees, XRP makes for a faster, cheaper settlement.

4.  XRP enables faster, cheaper and more reliable cross-border payments

XRP offers banks and payment providers a reliable, on-demand source of liquidity for cross-border payments. Today, it takes about three to five days to send money from one country to another through a bank, which usually involves high fees, the risk of the payment being delayed (or never going through altogether). Alternatively, businesses can pre-fund nostro accounts in the recipient’s country, which ties up capital. XRP is part of a solution that fixes all these shortcomings, with an average settlement time of 4 seconds, at a fraction of the cost. By allowing financial institutions to source liquidity on demand, in real time, without having to pay foreign transaction fees or pre-fund nostro accounts, XRP will help them to expand into new markets, lower foreign exchange costs and provide faster payment settlement for its customers.

5.  It’s part of an overall network solution for faster cross-border payments

Ripple은 국가간 지불에서 발생하는 문제점을 해소하고 우리가 정보를 교환하는 것과 같이 효율적으로 돈을 이동시키는 가치의 인터넷 창출에 사력을 다하고 있습니다. 우리의 솔루션은 지불에 대한 공통 표준을 만들고 현재 중단된 원장 및 블록체인을 하나로 모아줄 XRP의 디지털 자산 이용을 포함하고 있습니다.

6.  XRP scales faster than Bitcoin

Bitcoin can process up to seven transactions per second, any of which can take more than two hours to clear. Compare that with a traditional payments service like Visa that averages 2,000 transactions per second and you can see that Bitcoin does not have the scalability to meet typical customer demands.

7.  It’s secure

The XRP Ledger is where XRP transactions occur and are recorded. It is an open-source code base that is supported by a community of trusted validators and a team of full-time engineers that actively develop and maintain the ledger. Since day one, we’ve made the XRP Ledger more resilient and resistant to a single point of failure by decentralizing it, a process that continues today.

8.  XRP is more sustainable than mined digital assets, like Bitcoin

Bitcoin is a mined digital asset, meaning that new coins are constantly created by huge datacenters processing complex math problems, or “proof of work.” This inefficient system demands massive amounts of electricity – the cost of producing one coin could power 3.67 U.S. homes for a day – and has been called “unsustainable.” XRP is not a mined digital asset so every single unit of the currency that exists now has already been created, with most owned by Ripple (55 billion of which was placed in escrow) and the rest held by companies and individuals.

9.  XRP is the future

It’s a question of WHEN, not IF, banks and other financial institutions begin using digital assets in their day-to-day business operations and it will be interesting to see who the winners and losers in the digital asset space will be. We’re 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.

10. It’s easy to buy

구매자가 누구인지에 따라 XRP구매 방법이 달라집니다. 금융 기관의 경우에는 Ripple과 집적 접촉하는 것이 가장 좋습니다. 개인 투자자인 경우 다양한 구매 방법이 있습니다. XRP를 상장한 디지털 거래소를 방문하시면 구입하실 수 있습니다.