Wat is Ripple? Razendsnelle transacties, ongeacht welke valuta’s en landen erbij betrokken zijn, en niet gelimiteerd door grenzen. Slechts een duizendste van een cent aan transactiekosten, en de mogelijkheid tot 10 000 transacties per seconde zonder de tussenkomst van een third party. Dan hebben we het over de speerpunten van het Ripple blockchain protocol. Een brug vormen tussen fiat valuta en cryptocurrency en dus ook landen en banken.

Ripple is, net als Bitcoin, gemaakt om transacties te verrichten zonder tussenkomst van een zogeheten trusted third party. Alleen is het geen opensource project. Het wordt aangestuurd vanuit een centrale commerciële organisatie die beheer en ontwikkeling in eigen handen heeft. Dit is ook direct waarom banken de samenwerking met deze cryptocurrency zoeken. Het bedrijf achter het Ripple protocol is namelijk een gesprekspartner voor de bank. Voor de banken is een vergelijkbare partner binnen bijvoorbeeld het Bitcoin netwerk niet te vinden.

XRP

Ripple heeft een eigen cryptocurrency onder de naam XRP. Alle transacties worden, zoals bij een blockchain protocol, bijgehouden in een grootboek (ledger). Omdat vanaf het begin af aan tot aan de meest recente transacties alles openbaar terug te vinden is in de consensus ledger, kan een nieuwe transactie door het netwerk gevalideerd worden. Er is namelijk altijd terug te vinden of een adres van waaruit een transactie plaats moet vinden genoeg XRP heeft om te versturen.

Waar banken in eerste instantie huiverig waren om bij blockchain initiatieven (en dus cryptocurrency) aan te haken, zien ze wel degelijk de waarde in die Ripple zou kunnen hebben. Veel banken werken al samen met deze cryptocurrency, waaronder meer dan 60 Japanse banken die meer dan 80% van de Japanse bancaire activa beheren.

Voor de banken is Ripple een oplossing om fiat valuta transacties beter uit te kunnen voeren, zonder het vervangen van munteenheden. Ripple vormt een brug tussen klassieke, door overheden gesteunde munteenheden.

Neem contact met ons op voor meer informatie.

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