In our blog “Blockchain’s Napster Moment,” we highlighted the importance of separating the utility of blockchain from the fervor of cryptocurrencies. Since then, XRP made headlines as its value skyrocketed and minted Ripple’s cofounders as the world’s newest billionaires. Ironically, the hype of XRP stole thunder from the product itself, which deserves far more attention. The product is RippleNet, and more specifically its xCurrent software, which enables near instantaneous cross-border payments between banks. It’s a decentralized private network in which banks—the nodes […]
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