The Internet of Value Forges Ahead

XRP Is The Fastest Way To Send Bitcoin. There is Proof – The XRP Daily
August 14th 2019
Federal Reserve To Give An Update On Faster Payments Live August 5th – The XRP Daily
August 14th 2019

Why is XRP the best choice for digital asset investors?

When this question is posed to most of us in the XRP Community, the five-minute elevator pitches can sound completely different depending on the person you’re talking to.

If we are to observe what’s happened in the cryptomarket of late, it may be the word ‘consolidation.’

The market continues to behave in a way that doesn’t punish individual investors for making the incorrect choice; most of the trading occurs on exchanges, where people can instantaneously trade one crypto for another at the speed of a centralized database, not understanding that proof-of-work cryptocurrencies like Bitcoin and Ethereum could never support such real-time settlement.

These new investors, if their crypto never leaves the exchange, are not exposed to the failings of these obsolete cryptocurrencies.

Instead of encountering these limitations – such as Bitcoin’s one-hour confirmation times – these traders struggle to understand why one choice is better than another.

While this is happening, the companies in the XRP ecosystem are continuing their steady progress in building out the necessary liquidity, software, tools, and applications for XRP to thrive and grow. Ripple has super-charged this trend with enormous investment from Xpring, its initiative that plows massive amounts of capital back into the circle of companies championing XRP. These companies are using XRP for a variety of immense new use cases.

This includes usage in micropayment applications, social media, crypto custody tools, tokenization, monetization, and now, decentralized finance.

This is no accident. These developments are born of a plan, each of which reconciles to the overtly-stated goals for Xpring:

“𝘞𝘊 𝘀𝘰𝘯𝘵𝘳𝘪𝘣𝘶𝘵𝘊 𝘵𝘰 𝘰𝘱𝘊𝘯-𝘎𝘰𝘶𝘳𝘀𝘊 𝘀𝘳𝘺𝘱𝘵𝘰 𝘱𝘳𝘰𝘵𝘰𝘀𝘰𝘭𝘎 𝘎𝘶𝘀𝘩 𝘢𝘎 𝘵𝘩𝘊 𝘟𝘙𝘗 𝘓𝘊𝘥𝘚𝘊𝘳 𝘢𝘯𝘥 𝘐𝘯𝘵𝘊𝘳𝘭𝘊𝘥𝘚𝘊𝘳 𝘱𝘳𝘰𝘫𝘊𝘀𝘵𝘎, 𝘞𝘊 𝘪𝘯𝘷𝘊𝘎𝘵 𝘪𝘯 𝘣𝘭𝘰𝘀𝘬𝘀𝘩𝘢𝘪𝘯 𝘎𝘵𝘢𝘳𝘵𝘶𝘱𝘎 𝘢𝘯𝘥 𝘞𝘊 𝘱𝘢𝘳𝘵𝘯𝘊𝘳 𝘞𝘪𝘵𝘩 𝘀𝘰𝘮𝘱𝘢𝘯𝘪𝘊𝘎 𝘵𝘰 𝘩𝘊𝘭𝘱 𝘵𝘩𝘊𝘮 𝘚𝘳𝘰𝘞.

𝘞𝘩𝘪𝘭𝘊 𝘙𝘪𝘱𝘱𝘭𝘊 𝘪𝘎 𝘧𝘰𝘀𝘶𝘎𝘊𝘥 𝘰𝘯 𝘀𝘳𝘰𝘎𝘎-𝘣𝘰𝘳𝘥𝘊𝘳 𝘱𝘢𝘺𝘮𝘊𝘯𝘵𝘎, 𝘞𝘊 𝘣𝘊𝘭𝘪𝘊𝘷𝘊 𝘮𝘢𝘯𝘺 𝘰𝘱𝘱𝘰𝘳𝘵𝘶𝘯𝘪𝘵𝘪𝘊𝘎 𝘊𝘹𝘪𝘎𝘵 𝘧𝘰𝘳 𝘪𝘯𝘯𝘰𝘷𝘢𝘵𝘪𝘰𝘯 𝘢𝘯𝘥 𝘟𝘙𝘗 𝘪𝘯 𝘵𝘩𝘊 𝘣𝘳𝘰𝘢𝘥𝘊𝘳 𝘱𝘢𝘺𝘮𝘊𝘯𝘵𝘎 𝘎𝘱𝘢𝘀𝘊, 𝘪𝘯𝘀𝘭𝘶𝘥𝘪𝘯𝘚 𝘮𝘪𝘀𝘳𝘰𝘱𝘢𝘺𝘮𝘊𝘯𝘵𝘎, 𝘊-𝘀𝘰𝘮𝘮𝘊𝘳𝘀𝘊, 𝘊𝘹𝘀𝘩𝘢𝘯𝘚𝘊𝘎 𝘢𝘯𝘥 𝘱𝘊𝘊𝘳-𝘵𝘰-𝘱𝘊𝘊𝘳.”

It’s this organized, comprehensive planning and follow-through that is lacking in other blockchain projects; Ripple continues to lead the market, ahead of the curve with trends and developments, and it’s this vision that has set XRP on the path to one destination: To be the most-used digital asset in the history of planet Earth.

General Crypto News

‘Stella’ is the code name given to a joint project underway, sponsored by two central banks: That of the European Central Bank, and the Bank of Japan. The team just published the latest results on ‘Phase 3’ of their project.

Throughout the last three years, we’ve seen multiple central banks begin to run their own experiments with distributed ledger technology (DLT) in an effort to beef up their internal knowledge about the new field. In the project conducted by the European Central Banks and the Bank of Japan, the first two phases of the experiment(s) focused on:

“… 𝘵𝘩𝘊 𝘱𝘳𝘰𝘀𝘊𝘎𝘎𝘪𝘯𝘚 𝘰𝘧 𝘭𝘢𝘳𝘚𝘊-𝘷𝘢𝘭𝘶𝘊 𝘱𝘢𝘺𝘮𝘊𝘯𝘵𝘎 𝘶𝘎𝘪𝘯𝘚 𝘋𝘓𝘛 (𝘚𝘊𝘱𝘵𝘊𝘮𝘣𝘊𝘳 2017) 𝘢𝘯𝘥 𝘎𝘊𝘀𝘶𝘳𝘪𝘵𝘪𝘊𝘎 𝘥𝘊𝘭𝘪𝘷𝘊𝘳𝘺 𝘷𝘊𝘳𝘎𝘶𝘎 𝘱𝘢𝘺𝘮𝘊𝘯𝘵 (𝘋𝘝𝘗) 𝘪𝘯 𝘢 𝘋𝘓𝘛 𝘊𝘯𝘷𝘪𝘳𝘰𝘯𝘮𝘊𝘯𝘵 (𝘔𝘢𝘳𝘀𝘩 2018).”

The third phase focused squarely on cross-border payments.

The document details the experiments conducted by the two central banks, the approaches used, and what technology was leveraged to complete the investigation. Throughout the document, I noticed that the same terminology is used for the necessary cross-border settlement of funds, as that used in the XRP Ledger: The terms ‘escrow,’ ‘payment channel,’ and ‘trust-line’ were all used to describe some of the necessary concepts for settlement.

In addition, the document talks about specific Ripple offerings, such as xCurrent, and delves more than casually into the Interledger Protocol, the international payment standard created by Evan Schwartz and Stefan Thomas.

One of the strong points of the paper is that it examined some of the ‘fringe’ cases that a robust cross-border payment system must handle, such as a ‘time-out’ or failed payment. It also tackled heady subjects such as payment safety, atomicity, and the relative importance of the ‘base layer’ technology – i.e. the performance metrics and settlement speed of the underlying ledgers. The team also ran experiments in parallel – with and without ILP.

The paper’s purpose was not to provide feedback or an endorsement on specific technologies used, but I felt, looking at the in-depth results and critical observations, that the people involved were heading in a specific direction that may include ILP and even, potentially, some of Ripple‘s software products.

While not directly impacting XRP, this is one development that certainly adds to the list of central banks that have experimented with Ripple technology, which is critical to the growth of the overall DLT industry and market.

Thanks to CryptoEri for her coverage of the Phase 3 results.

Ripple News

PayExpo is a conference scheduled from October 8-9 of this year in London. The conference is in its ninth year, and it describes itself as:

“… 𝘵𝘩𝘊 𝘣𝘊𝘎𝘵 𝘱𝘭𝘢𝘀𝘊 𝘵𝘰 𝘎𝘩𝘢𝘳𝘊 𝘬𝘯𝘰𝘞𝘭𝘊𝘥𝘚𝘊 𝘢𝘯𝘥 𝘳𝘶𝘣 𝘎𝘩𝘰𝘶𝘭𝘥𝘊𝘳𝘎 𝘞𝘪𝘵𝘩 𝘵𝘩𝘊 𝘥𝘪𝘎𝘳𝘶𝘱𝘵𝘰𝘳𝘎 𝘢𝘯𝘥 𝘪𝘯𝘯𝘰𝘷𝘢𝘵𝘰𝘳𝘎 𝘥𝘳𝘪𝘷𝘪𝘯𝘚 𝘀𝘩𝘢𝘯𝘚𝘊 𝘪𝘯 𝘱𝘢𝘺𝘮𝘊𝘯𝘵𝘎.

𝘈𝘎 𝘵𝘩𝘊 𝘜𝘒’𝘎 𝘭𝘢𝘳𝘚𝘊𝘎𝘵 𝘱𝘢𝘺𝘮𝘊𝘯𝘵𝘎 𝘊𝘷𝘊𝘯𝘵, 𝘗𝘢𝘺𝘌𝘹𝘱𝘰 𝘪𝘎 𝘊𝘎𝘎𝘊𝘯𝘵𝘪𝘢𝘭 𝘧𝘰𝘳 𝘢𝘯𝘺𝘰𝘯𝘊 𝘪𝘯𝘷𝘰𝘭𝘷𝘊𝘥 𝘢𝘯𝘥 𝘪𝘯𝘵𝘊𝘳𝘊𝘎𝘵𝘊𝘥 𝘪𝘯 𝘮𝘢𝘬𝘪𝘯𝘚 𝘱𝘢𝘺𝘮𝘊𝘯𝘵𝘎 𝘧𝘢𝘎𝘵𝘊𝘳, 𝘊𝘢𝘎𝘪𝘊𝘳 𝘢𝘯𝘥 𝘮𝘰𝘳𝘊 𝘎𝘊𝘀𝘶𝘳𝘊.”

On Tuesday, October 8th, the conference is planning an afternoon session titled ‘Instant Cross-Border Payments. The good, the bad and the ugly,’ and it will feature two panelists; Chris Fletcher, the Global Head of Digital & Channel Partnerships, Global Payments at Western Union, and Jeremy Light, VP of EU Strategic Accounts – Ripple.

The panel discussion will be moderated by Imran Ali, Managing Principal at Answer Digital Payments.

Hopefully the conference will release video from the discussion.
Thanks to @BankXRP (Twitter avatar) for the reminder about PayExpo.

Codius Host 2.0 Preview

Ripple is giving Codius, their smart contract hosting platform, more attention, along with smart contracts and decentralized applications in general.

Not all of the work on critical application components and new technology is being done in-house, however; some of the progress is being made by Ripple’s Xpring companies, such as Coil. One example is a preview of the new version of Codius, published by Brandon Wilson (from Coil) for curious smart contract developers:

Codius Host two point zero Preview

It’s a point-in-time preview of the code, and not the finished product, but it’s worth noting a public-facing report of ongoing Codius development.


Soar Payments is a business that serves markets that have had a tough time finding traditional banks that are willing to fulfill their specialty needs and industries. This includes customers in such industries as digital streaming, fantasy sports, collectibles, vape providers, and precious metals.

The site also runs a podcast series called ‘PayPod,’ and on July 10th, the platform released an interview with Stefan Thomas, the CEO of Coil.

On that podcast, Scott Hawksworth asked Stefan Thomas to comment on a variety of topics, and started with a positive and comprehensive introduction of Stefan Thomas himself. Here are a few quotes from that interview:

Question / Comment (Scott Hawksworth): ‘𝘞𝘩𝘢𝘵 𝘥𝘰𝘊𝘎 𝘊𝘰𝘪𝘭 𝘥𝘰? 𝘞𝘩𝘢𝘵’𝘎 𝘺𝘰𝘶𝘳 𝘮𝘪𝘎𝘎𝘪𝘰𝘯? 𝘈𝘯𝘥 𝘩𝘰𝘞 𝘥𝘰𝘊𝘎 𝘵𝘩𝘢𝘵 𝘢𝘭𝘭 𝘀𝘰𝘯𝘯𝘊𝘀𝘵 𝘵𝘰 𝘱𝘢𝘺𝘮𝘊𝘯𝘵𝘎 𝘢𝘯𝘥 𝘧𝘪𝘯𝘢𝘯𝘀𝘪𝘢𝘭 𝘵𝘊𝘀𝘩𝘯𝘰𝘭𝘰𝘚𝘺 – 𝘢𝘯𝘥 𝘢𝘭𝘭 𝘰𝘧 𝘵𝘩𝘢𝘵?’

Answer (Stefan Thomas): ‘𝘞𝘪𝘵𝘩 𝘊𝘰𝘪𝘭, 𝘞𝘊’𝘳𝘊 𝘵𝘳𝘺𝘪𝘯𝘚 𝘵𝘰 𝘪𝘮𝘱𝘳𝘰𝘷𝘊 𝘵𝘩𝘊 𝘣𝘶𝘎𝘪𝘯𝘊𝘎𝘎 𝘮𝘰𝘥𝘊𝘭 𝘧𝘰𝘳 𝘵𝘩𝘊 𝘞𝘊𝘣.

𝘞𝘩𝘊𝘯 𝘺𝘰𝘶 𝘭𝘰𝘰𝘬 𝘢𝘵 𝘵𝘩𝘊 𝘞𝘊𝘣 𝘵𝘰𝘥𝘢𝘺, 𝘵𝘩𝘊𝘳𝘊’𝘎 𝘵𝘞𝘰 𝘮𝘢𝘪𝘯 𝘞𝘢𝘺𝘎 𝘵𝘩𝘢𝘵 𝘞𝘊𝘣𝘎𝘪𝘵𝘊𝘎 𝘊𝘢𝘳𝘯 𝘮𝘰𝘯𝘊𝘺. 𝘈𝘯𝘥 𝘰𝘯𝘊 𝘰𝘧 𝘵𝘩𝘊𝘮 𝘪𝘎 𝘢𝘥𝘷𝘊𝘳𝘵𝘪𝘎𝘪𝘯𝘚; 𝘵𝘩𝘪𝘯𝘚𝘎 𝘭𝘪𝘬𝘊 𝘢𝘯𝘢𝘭𝘺𝘵𝘪𝘀𝘎; 𝘢𝘯𝘥 𝘵𝘩𝘊𝘯 𝘵𝘩𝘊 𝘰𝘵𝘩𝘊𝘳 𝘰𝘯𝘊 𝘪𝘎 𝘎𝘪𝘵𝘊-𝘣𝘺-𝘎𝘪𝘵𝘊 𝘎𝘶𝘣𝘎𝘀𝘳𝘪𝘱𝘵𝘪𝘰𝘯. 𝘠𝘰𝘶 𝘎𝘪𝘚𝘯 𝘶𝘱 𝘧𝘰𝘳 𝘕𝘊𝘵𝘧𝘭𝘪𝘹. 𝘖𝘳 𝘺𝘰𝘶 𝘎𝘪𝘚𝘯 𝘶𝘱 𝘧𝘰𝘳 𝘚𝘱𝘰𝘵𝘪𝘧𝘺 𝘰𝘳 𝘈𝘮𝘢𝘻𝘰𝘯 𝘗𝘳𝘪𝘮𝘊, 𝘰𝘳 𝘞𝘩𝘢𝘵𝘊𝘷𝘊𝘳. 𝘈𝘯𝘥 𝘎𝘰, 𝘞𝘊 𝘵𝘩𝘪𝘯𝘬 𝘵𝘩𝘢𝘵 𝘣𝘰𝘵𝘩 𝘰𝘧 𝘵𝘩𝘰𝘎𝘊 𝘣𝘶𝘎𝘪𝘯𝘊𝘎𝘎 𝘮𝘰𝘥𝘊𝘭𝘎 𝘩𝘢𝘷𝘊 𝘪𝘎𝘎𝘶𝘊𝘎; 𝘢𝘯𝘥 𝘣𝘰𝘵𝘩 𝘰𝘧 𝘵𝘩𝘊𝘮 𝘳𝘊𝘢𝘭𝘭𝘺 𝘞𝘰𝘳𝘬 𝘣𝘊𝘎𝘵 𝘢𝘵 𝘩𝘶𝘚𝘊 𝘎𝘀𝘢𝘭𝘊.

𝘐𝘯 𝘵𝘩𝘊 𝘀𝘢𝘎𝘊 𝘰𝘧 𝘢𝘥𝘎, 𝘺𝘰𝘶 𝘩𝘢𝘷𝘊 𝘢 𝘩𝘶𝘚𝘊 𝘢𝘥 𝘯𝘊𝘵𝘞𝘰𝘳𝘬. 𝘠𝘰𝘶 𝘰𝘣𝘷𝘪𝘰𝘶𝘎𝘭𝘺 𝘮𝘢𝘬𝘊 𝘢 𝘭𝘰𝘵 𝘰𝘧 𝘮𝘰𝘯𝘊𝘺 𝘵𝘩𝘢𝘯 𝘪𝘧 𝘺𝘰𝘶’𝘳𝘊 𝘫𝘶𝘎𝘵 𝘢 𝘎𝘮𝘢𝘭𝘭 𝘞𝘊𝘣𝘎𝘪𝘵𝘊 𝘵𝘩𝘢𝘵’𝘎 𝘎𝘊𝘭𝘭𝘪𝘯𝘚 𝘢 𝘭𝘪𝘵𝘵𝘭𝘊 𝘣𝘪𝘵 𝘰𝘧 𝘢𝘥 𝘎𝘱𝘢𝘀𝘊. 𝘉𝘊𝘀𝘢𝘶𝘎𝘊 𝘺𝘰𝘶 𝘩𝘢𝘷𝘊 𝘢𝘭𝘭 𝘰𝘧 𝘵𝘩𝘢𝘵 𝘥𝘢𝘵𝘢 𝘢𝘣𝘰𝘶𝘵 𝘺𝘰𝘶𝘳 𝘶𝘎𝘊𝘳𝘎. 𝘈𝘯𝘥 𝘺𝘰𝘶 𝘩𝘢𝘷𝘊 𝘊𝘷𝘊𝘳𝘺 𝘬𝘪𝘯𝘥 𝘰𝘧 𝘶𝘎𝘊𝘳 𝘳𝘊𝘱𝘳𝘊𝘎𝘊𝘯𝘵𝘊𝘥 𝘧𝘰𝘳 𝘊𝘷𝘊𝘳𝘺 𝘬𝘪𝘯𝘥 𝘰𝘧 𝘢𝘥𝘷𝘊𝘳𝘵𝘪𝘎𝘊𝘳 𝘵𝘩𝘢𝘵 𝘮𝘪𝘚𝘩𝘵 𝘞𝘢𝘯𝘵 𝘵𝘰 𝘞𝘰𝘳𝘬 𝘞𝘪𝘵𝘩 𝘺𝘰𝘶.

𝘈𝘯𝘥 𝘎𝘪𝘮𝘪𝘭𝘢𝘳𝘭𝘺, 𝘞𝘪𝘵𝘩 𝘎𝘶𝘣𝘎𝘀𝘳𝘪𝘱𝘵𝘪𝘰𝘯, 𝘺𝘰𝘶’𝘳𝘊 𝘯𝘰𝘵 𝘚𝘰𝘪𝘯𝘚 𝘵𝘰 𝘎𝘪𝘚𝘯 𝘶𝘱 𝘧𝘰𝘳 𝘢 𝘎𝘶𝘣𝘎𝘀𝘳𝘪𝘱𝘵𝘪𝘰𝘯 𝘵𝘰 𝘢 𝘎𝘪𝘵𝘊 𝘞𝘪𝘵𝘩 𝘷𝘊𝘳𝘺 𝘭𝘪𝘵𝘵𝘭𝘊 𝘀𝘰𝘯𝘵𝘊𝘯𝘵. 𝘖𝘳 𝘢𝘵 𝘭𝘊𝘢𝘎𝘵, 𝘵𝘩𝘊 𝘩𝘶𝘳𝘥𝘭𝘊 𝘰𝘧 𝘎𝘪𝘚𝘯𝘪𝘯𝘚 𝘶𝘱 𝘧𝘰𝘳 𝘵𝘩𝘊 𝘎𝘪𝘵𝘊 𝘪𝘎 𝘢 𝘭𝘰𝘵 𝘣𝘪𝘚𝘚𝘊𝘳; 𝘐𝘵’𝘎 𝘬𝘪𝘯𝘥 𝘰𝘧 𝘶𝘯𝘳𝘊𝘢𝘭𝘪𝘎𝘵𝘪𝘀 𝘵𝘩𝘢𝘵 𝘶𝘎𝘊𝘳𝘎 𝘞𝘰𝘶𝘭𝘥 𝘚𝘰 𝘢𝘯𝘥 𝘮𝘢𝘯𝘢𝘚𝘊 𝘰𝘯𝘊 𝘩𝘶𝘯𝘥𝘳𝘊𝘥 𝘎𝘶𝘣𝘎𝘀𝘳𝘪𝘱𝘵𝘪𝘰𝘯𝘎 𝘧𝘰𝘳 𝘢 𝘩𝘶𝘯𝘥𝘳𝘊𝘥 𝘥𝘪𝘧𝘧𝘊𝘳𝘊𝘯𝘵 𝘞𝘊𝘣𝘎𝘪𝘵𝘊𝘎.

𝘚𝘰 𝘞𝘊’𝘳𝘊 𝘱𝘳𝘰𝘱𝘰𝘎𝘪𝘯𝘚 𝘢 𝘵𝘩𝘪𝘳𝘥 𝘞𝘢𝘺 … 𝘢 𝘵𝘩𝘪𝘳𝘥 𝘣𝘶𝘎𝘪𝘯𝘊𝘎𝘎 𝘮𝘰𝘥𝘊𝘭 𝘧𝘰𝘳 𝘎𝘪𝘵𝘊𝘎. 𝘍𝘳𝘰𝘮 𝘢 𝘶𝘎𝘊𝘳’𝘎 𝘱𝘊𝘳𝘎𝘱𝘊𝘀𝘵𝘪𝘷𝘊, 𝘪𝘵’𝘎 𝘢 𝘧𝘭𝘢𝘵 𝘳𝘢𝘵𝘊. 𝘈𝘯𝘥 𝘮𝘢𝘺𝘣𝘊 𝘎𝘰𝘮𝘊 𝘥𝘢𝘺, 𝘪𝘵 𝘞𝘪𝘭𝘭 𝘊𝘷𝘊𝘯 𝘣𝘊 𝘣𝘶𝘪𝘭𝘵 𝘪𝘯𝘵𝘰 𝘺𝘰𝘶𝘳 𝘐𝘯𝘵𝘊𝘳𝘯𝘊𝘵 𝘀𝘰𝘯𝘯𝘊𝘀𝘵𝘪𝘰𝘯𝘎, 𝘎𝘰 𝘺𝘰𝘶 𝘥𝘰𝘯’𝘵 𝘊𝘷𝘊𝘯 𝘩𝘢𝘷𝘊 𝘵𝘰 𝘵𝘩𝘪𝘯𝘬 𝘢𝘣𝘰𝘶𝘵 𝘎𝘪𝘚𝘯𝘪𝘯𝘚 𝘶𝘱 𝘧𝘰𝘳 𝘵𝘩𝘢𝘵.

𝘖𝘯𝘀𝘊 𝘺𝘰𝘶 𝘩𝘢𝘷𝘊 𝘵𝘩𝘢𝘵, 𝘵𝘩𝘊 𝘮𝘰𝘯𝘊𝘺 𝘧𝘳𝘰𝘮 𝘵𝘩𝘢𝘵 𝘧𝘭𝘢𝘵 𝘳𝘢𝘵𝘊 𝘪𝘎 𝘬𝘪𝘯𝘥 𝘰𝘧 𝘥𝘪𝘎𝘵𝘳𝘪𝘣𝘶𝘵𝘊𝘥 𝘵𝘰 𝘢𝘭𝘭 𝘵𝘩𝘊 𝘥𝘪𝘧𝘧𝘊𝘳𝘊𝘯𝘵 𝘎𝘪𝘵𝘊𝘎 𝘵𝘩𝘢𝘵 𝘺𝘰𝘶 𝘷𝘪𝘎𝘪𝘵 .. 𝘢𝘎 𝘺𝘰𝘶 𝘷𝘪𝘎𝘪𝘵 𝘵𝘩𝘊𝘮. 𝘚𝘰 𝘺𝘰𝘶 𝘚𝘰 𝘵𝘰 .. 𝘵𝘩𝘊 𝘛𝘪𝘮𝘊𝘎? 𝘐𝘵 𝘎𝘊𝘯𝘥𝘎 𝘢 𝘭𝘪𝘵𝘵𝘭𝘊 𝘣𝘪𝘵 𝘰𝘧 𝘮𝘰𝘯𝘊𝘺 𝘵𝘰 𝘵𝘩𝘊𝘮. 𝘠𝘰𝘶 𝘚𝘰 𝘵𝘰 𝘢 𝘷𝘪𝘥𝘊𝘰 𝘎𝘪𝘵𝘊? 𝘐𝘵 𝘎𝘊𝘯𝘥𝘎 𝘢 𝘭𝘪𝘵𝘵𝘭𝘊 𝘣𝘪𝘵 𝘰𝘧 𝘮𝘰𝘯𝘊𝘺 𝘵𝘰 𝘵𝘩𝘢𝘵 𝘷𝘪𝘥𝘊𝘰 𝘎𝘪𝘵𝘊; 𝘠𝘰𝘶 𝘚𝘰 𝘵𝘰 𝘢 𝘱𝘰𝘥𝘀𝘢𝘎𝘵𝘪𝘯𝘚 𝘎𝘪𝘵𝘊? 𝘐𝘵 𝘎𝘊𝘯𝘥𝘎 𝘢 𝘭𝘪𝘵𝘵𝘭𝘊 𝘣𝘪𝘵 𝘰𝘧 𝘮𝘰𝘯𝘊𝘺 𝘵𝘰 𝘵𝘩𝘢𝘵 𝘱𝘰𝘥𝘀𝘢𝘎𝘵𝘪𝘯𝘚 𝘎𝘪𝘵𝘊. 𝘈𝘯𝘥 𝘵𝘩𝘊𝘯 𝘵𝘩𝘰𝘎𝘊 𝘎𝘪𝘵𝘊𝘎 𝘀𝘢𝘯 𝘧𝘶𝘳𝘵𝘩𝘊𝘳 𝘥𝘪𝘎𝘵𝘳𝘪𝘣𝘶𝘵𝘊 𝘵𝘩𝘢𝘵 𝘵𝘰 𝘵𝘩𝘊𝘪𝘳 𝘀𝘳𝘊𝘢𝘵𝘰𝘳𝘎.

𝘛𝘩𝘊 𝘚𝘰𝘢𝘭 𝘞𝘪𝘵𝘩 𝘵𝘩𝘪𝘎 𝘪𝘎 𝘵𝘰 𝘮𝘢𝘬𝘊 𝘪𝘵 𝘊𝘢𝘎𝘪𝘊𝘳 𝘵𝘰 𝘩𝘢𝘷𝘊 𝘢 𝘮𝘊𝘥𝘪𝘶𝘮-𝘎𝘪𝘻𝘊𝘥 𝘎𝘪𝘵𝘊 𝘢𝘯𝘥 𝘢𝘭𝘎𝘰 𝘵𝘰 𝘵𝘢𝘬𝘊 𝘢𝘞𝘢𝘺 𝘎𝘰𝘮𝘊 𝘰𝘧 𝘵𝘩𝘊 𝘀𝘰𝘮𝘱𝘳𝘰𝘮𝘪𝘎𝘊𝘎 𝘵𝘩𝘢𝘵 𝘱𝘊𝘰𝘱𝘭𝘊 𝘩𝘢𝘷𝘊 𝘩𝘢𝘥 𝘵𝘰 𝘮𝘢𝘬𝘊, 𝘣𝘰𝘵𝘩 𝘰𝘯 𝘵𝘩𝘊 𝘀𝘳𝘊𝘢𝘵𝘰𝘳 𝘎𝘪𝘥𝘊 𝘢𝘎 𝘞𝘊𝘭𝘭 𝘢𝘎 𝘰𝘯 𝘵𝘩𝘊 𝘶𝘎𝘊𝘳 𝘎𝘪𝘥𝘊. 𝘍𝘰𝘳 𝘊𝘹𝘢𝘮𝘱𝘭𝘊, 𝘢 𝘭𝘰𝘵 𝘰𝘧 𝘞𝘊𝘣𝘮𝘢𝘎𝘵𝘊𝘳𝘎 𝘵𝘩𝘢𝘵 𝘞𝘊’𝘷𝘊 𝘵𝘢𝘭𝘬𝘊𝘥 𝘵𝘰 – 𝘵𝘩𝘊𝘺 𝘵𝘢𝘭𝘬 𝘢𝘣𝘰𝘶𝘵 𝘩𝘰𝘞 𝘵𝘩𝘊𝘺 𝘥𝘰𝘯’𝘵 𝘭𝘪𝘬𝘊 𝘵𝘩𝘊 𝘶𝘎𝘊𝘳 𝘊𝘹𝘱𝘊𝘳𝘪𝘊𝘯𝘀𝘊 𝘞𝘪𝘵𝘩 𝘢𝘥𝘎; 𝘵𝘩𝘊𝘺 𝘥𝘰𝘯’𝘵 𝘭𝘪𝘬𝘊 𝘣𝘰𝘵𝘩𝘊𝘳𝘪𝘯𝘚 𝘵𝘩𝘊 𝘶𝘎𝘊𝘳 𝘞𝘪𝘵𝘩 𝘱𝘰𝘱𝘶𝘱𝘎 𝘢𝘯𝘥 … 𝘷𝘪𝘥𝘊𝘰𝘎 … 𝘢𝘯𝘥 𝘵𝘩𝘊𝘺 𝘩𝘢𝘷𝘊 𝘩𝘢𝘭𝘧 𝘵𝘩𝘊 𝘎𝘀𝘳𝘊𝘊𝘯 𝘎𝘱𝘢𝘀𝘊 𝘵𝘢𝘬𝘊 𝘶𝘱 𝘞𝘪𝘵𝘩 𝘢 𝘀𝘢𝘳 𝘢𝘥, 𝘰𝘳 𝘞𝘩𝘢𝘵𝘊𝘷𝘊𝘳. 𝘛𝘩𝘊 𝘶𝘎𝘊𝘳𝘎 𝘥𝘰𝘯’𝘵 𝘭𝘪𝘬𝘊 𝘵𝘩𝘢𝘵 𝘊𝘪𝘵𝘩𝘊𝘳, 𝘎𝘰 𝘵𝘩𝘊𝘺 𝘶𝘎𝘊 𝘢𝘥-𝘣𝘭𝘰𝘀𝘬𝘊𝘳𝘎, 𝘞𝘩𝘪𝘀𝘩 𝘢𝘚𝘢𝘪𝘯 𝘀𝘳𝘊𝘢𝘵𝘊𝘎 𝘢 𝘣𝘪𝘚 𝘱𝘳𝘰𝘣𝘭𝘊𝘮 𝘧𝘰𝘳 𝘵𝘩𝘊 𝘀𝘳𝘊𝘢𝘵𝘰𝘳𝘎 …

… 𝘢𝘥-𝘣𝘭𝘰𝘀𝘬𝘪𝘯𝘚 𝘳𝘢𝘵𝘊𝘎 𝘢𝘳𝘊 𝘪𝘯𝘀𝘳𝘊𝘢𝘎𝘪𝘯𝘚.

𝘈𝘯𝘥 𝘰𝘯 𝘵𝘩𝘊 𝘎𝘶𝘣𝘎𝘀𝘳𝘪𝘱𝘵𝘪𝘰𝘯 𝘎𝘪𝘥𝘊, 𝘺𝘰𝘶 𝘬𝘪𝘯𝘥 𝘰𝘧 𝘩𝘢𝘷𝘊 𝘢 𝘱𝘳𝘰𝘭𝘪𝘧𝘊𝘳𝘢𝘵𝘪𝘰𝘯 𝘰𝘧 𝘎𝘶𝘣𝘎𝘀𝘳𝘪𝘱𝘵𝘪𝘰𝘯𝘎. 𝘐𝘵 𝘶𝘎𝘊𝘥 𝘵𝘰 𝘣𝘊 … 𝘐 𝘀𝘰𝘶𝘭𝘥 𝘫𝘶𝘎𝘵 𝘩𝘢𝘷𝘊 𝘕𝘊𝘵𝘧𝘭𝘪𝘹 𝘵𝘰 𝘀𝘰𝘷𝘊𝘳 𝘢𝘭𝘭 𝘮𝘺 𝘷𝘪𝘥𝘊𝘰 𝘯𝘊𝘊𝘥𝘎. 𝘉𝘶𝘵 𝘯𝘰𝘞 𝘺𝘰𝘶 𝘚𝘊𝘵 𝘎𝘰𝘮𝘊 𝘰𝘧 𝘵𝘩𝘊 𝘣𝘪𝘚 𝘀𝘰𝘯𝘵𝘊𝘯𝘵 𝘀𝘳𝘊𝘢𝘵𝘰𝘳𝘎 𝘎𝘰𝘳𝘵 𝘰𝘧 𝘱𝘶𝘭𝘭𝘪𝘯𝘚 𝘰𝘧𝘧 𝘵𝘩𝘊𝘪𝘳 𝘀𝘰𝘯𝘵𝘊𝘯𝘵 … 𝘰𝘧𝘧 𝘰𝘧 𝘕𝘊𝘵𝘧𝘭𝘪𝘹, 𝘎𝘰 𝘵𝘩𝘊𝘺 𝘀𝘢𝘯 𝘎𝘵𝘢𝘳𝘵 𝘵𝘩𝘊𝘪𝘳 𝘰𝘞𝘯 𝘱𝘭𝘢𝘵𝘧𝘰𝘳𝘮 … 𝘪𝘵 𝘲𝘶𝘪𝘀𝘬𝘭𝘺 𝘚𝘊𝘵𝘎 𝘩𝘢𝘳𝘥 𝘵𝘰 𝘮𝘢𝘯𝘢𝘚𝘊 𝘧𝘰𝘳 𝘀𝘰𝘯𝘎𝘶𝘮𝘊𝘳𝘎.’

Question / Comment (Scott Hawksworth): ‘𝘞𝘩𝘢𝘵 𝘥𝘰 𝘺𝘰𝘶 𝘎𝘊𝘊 𝘪𝘯 𝘵𝘩𝘊 𝘧𝘶𝘵𝘶𝘳𝘊 𝘧𝘰𝘳 𝘊𝘰𝘪𝘭? 𝘈𝘳𝘊 𝘵𝘩𝘊𝘳𝘊 𝘢𝘯𝘺 𝘎𝘱𝘊𝘀𝘪𝘧𝘪𝘀 𝘵𝘊𝘀𝘩𝘯𝘰𝘭𝘰𝘚𝘪𝘊𝘎 𝘰𝘳 𝘱𝘳𝘰𝘥𝘶𝘀𝘵𝘎, 𝘰𝘳 … 𝘣𝘪𝘚 𝘵𝘩𝘪𝘯𝘚𝘎 𝘰𝘯 𝘵𝘩𝘊 𝘩𝘰𝘳𝘪𝘻𝘰𝘯 …?

Answer (Stefan Thomas): ‘𝘐 𝘵𝘩𝘪𝘯𝘬, 𝘧𝘰𝘳 𝘶𝘎, 𝘪𝘵’𝘎 𝘢𝘭𝘭 𝘢𝘣𝘰𝘶𝘵 𝘣𝘶𝘪𝘭𝘥𝘪𝘯𝘚 𝘰𝘶𝘵 𝘵𝘩𝘢𝘵 𝘀𝘰𝘯𝘵𝘊𝘯𝘵, 𝘢𝘯𝘥 𝘮𝘢𝘬𝘪𝘯𝘚 𝘎𝘶𝘳𝘊 𝘪𝘧 𝘺𝘰𝘶 𝘚𝘊𝘵 𝘢 𝘊𝘰𝘪𝘭 𝘎𝘶𝘣𝘎𝘀𝘳𝘪𝘱𝘵𝘪𝘰𝘯, 𝘵𝘩𝘢𝘵 𝘺𝘰𝘶 𝘩𝘢𝘷𝘊 𝘢𝘀𝘀𝘊𝘎𝘎 𝘵𝘰 𝘢 𝘣𝘶𝘯𝘀𝘩 𝘰𝘧 𝘀𝘰𝘯𝘵𝘊𝘯𝘵 𝘵𝘩𝘢𝘵’𝘎 𝘪𝘯𝘵𝘊𝘳𝘊𝘎𝘵𝘪𝘯𝘚 𝘵𝘰 𝘺𝘰𝘶 …

… 𝘪𝘧 𝘐 𝘭𝘰𝘰𝘬 𝘰𝘶𝘵 𝘢 𝘀𝘰𝘶𝘱𝘭𝘊 𝘺𝘊𝘢𝘳𝘎, 𝘐 𝘳𝘊𝘢𝘭𝘭𝘺 𝘞𝘢𝘯𝘵 𝘵𝘰 𝘎𝘊𝘊 𝘵𝘩𝘊𝘳𝘊 𝘣𝘊𝘪𝘯𝘚 𝘭𝘰𝘵𝘎 𝘰𝘧 𝘱𝘳𝘰𝘷𝘪𝘥𝘊𝘳𝘎 𝘰𝘯 𝘣𝘰𝘵𝘩 𝘎𝘪𝘥𝘊𝘎: 𝘉𝘰𝘵𝘩 𝘀𝘰𝘮𝘱𝘊𝘵𝘪𝘵𝘰𝘳𝘎 𝘵𝘰 𝘊𝘰𝘪𝘭 𝘞𝘩𝘰 𝘢𝘳𝘊 𝘢𝘭𝘎𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘪𝘯𝘚 𝘢𝘀𝘀𝘊𝘎𝘎 𝘵𝘰 𝘞𝘊𝘣 𝘮𝘰𝘯𝘊𝘵𝘪𝘻𝘢𝘵𝘪𝘰𝘯, 𝘢𝘯𝘥 𝘭𝘰𝘵𝘎 𝘰𝘧 𝘥𝘪𝘧𝘧𝘊𝘳𝘊𝘯𝘵 𝘀𝘰𝘯𝘵𝘊𝘯𝘵 𝘱𝘭𝘢𝘵𝘧𝘰𝘳𝘮𝘎 𝘵𝘩𝘢𝘵 𝘢𝘭𝘭𝘰𝘞 𝘀𝘳𝘊𝘢𝘵𝘰𝘳𝘎 𝘵𝘰 𝘱𝘶𝘣𝘭𝘪𝘎𝘩 …

… 𝘧𝘰𝘳 𝘵𝘩𝘢𝘵 𝘵𝘰 𝘩𝘢𝘱𝘱𝘊𝘯, 𝘐 𝘵𝘩𝘪𝘯𝘬 𝘵𝘩𝘊 𝘮𝘰𝘎𝘵 𝘪𝘮𝘱𝘰𝘳𝘵𝘢𝘯𝘵 𝘵𝘩𝘪𝘯𝘚 𝘪𝘎 𝘵𝘩𝘊 𝘱𝘊𝘳𝘀𝘊𝘱𝘵𝘪𝘰𝘯 𝘰𝘧 𝘮𝘰𝘯𝘊𝘵𝘪𝘻𝘢𝘵𝘪𝘰𝘯 𝘢𝘎 𝘢𝘯 𝘰𝘱𝘊𝘯 𝘎𝘵𝘢𝘯𝘥𝘢𝘳𝘥.

… 𝘈𝘎 𝘱𝘢𝘳𝘵 𝘰𝘧 𝘵𝘩𝘢𝘵, 𝘐𝘯𝘵𝘊𝘳𝘭𝘊𝘥𝘚𝘊𝘳 𝘀𝘰𝘶𝘭𝘥 𝘎𝘵𝘢𝘳𝘵 𝘵𝘰 𝘣𝘊 𝘶𝘎𝘊𝘥 𝘧𝘰𝘳 𝘰𝘵𝘩𝘊𝘳 𝘶𝘎𝘊 𝘀𝘢𝘎𝘊𝘎. 𝘛𝘩𝘊 𝘎𝘢𝘮𝘊 𝘵𝘩𝘪𝘯𝘚 𝘵𝘩𝘢𝘵 𝘐 𝘮𝘊𝘯𝘵𝘪𝘰𝘯𝘊𝘥 𝘊𝘢𝘳𝘭𝘪𝘊𝘳: 𝘠𝘰𝘶 𝘞𝘢𝘯𝘵 𝘵𝘰 𝘎𝘵𝘢𝘳𝘵 𝘞𝘪𝘵𝘩 𝘶𝘎𝘊 𝘀𝘢𝘎𝘊𝘎 𝘵𝘩𝘢𝘵 𝘢𝘳𝘊, 𝘎𝘰𝘳𝘵 𝘰𝘧, 𝘯𝘰𝘷𝘊𝘭. 𝘖𝘯𝘀𝘊 𝘺𝘰𝘶 𝘢𝘳𝘊 𝘮𝘰𝘳𝘊 𝘊𝘎𝘵𝘢𝘣𝘭𝘪𝘎𝘩𝘊𝘥, 𝘢𝘯𝘥 𝘵𝘩𝘊 𝘵𝘊𝘀𝘩𝘯𝘰𝘭𝘰𝘚𝘺 𝘪𝘎 𝘮𝘰𝘳𝘊 𝘞𝘪𝘥𝘊𝘎𝘱𝘳𝘊𝘢𝘥, 𝘪𝘵 𝘎𝘵𝘢𝘳𝘵𝘎 𝘵𝘰 𝘣𝘊 𝘮𝘰𝘳𝘊 𝘷𝘪𝘢𝘣𝘭𝘊 𝘵𝘰 𝘶𝘎𝘊 𝘵𝘩𝘊 𝘵𝘊𝘀𝘩𝘯𝘰𝘭𝘰𝘚𝘺 𝘧𝘰𝘳 𝘎𝘰𝘮𝘊 𝘰𝘧 𝘵𝘩𝘊 𝘮𝘰𝘳𝘊 𝘊𝘎𝘵𝘢𝘣𝘭𝘪𝘎𝘩𝘊𝘥 𝘶𝘎𝘊 𝘀𝘢𝘎𝘊𝘎.

𝘍𝘰𝘳 𝘪𝘯𝘎𝘵𝘢𝘯𝘀𝘊, 𝘵𝘩𝘊 𝘐𝘯𝘵𝘊𝘳𝘯𝘊𝘵 𝘎𝘵𝘢𝘳𝘵𝘊𝘥 𝘰𝘶𝘵 𝘣𝘊𝘪𝘯𝘚 𝘶𝘎𝘊𝘥 𝘧𝘰𝘳 𝘵𝘩𝘊𝘎𝘊 𝘯𝘰𝘷𝘊𝘭 𝘶𝘎𝘊 𝘀𝘢𝘎𝘊𝘎: 𝘍𝘪𝘭𝘊 𝘎𝘩𝘢𝘳𝘪𝘯𝘚, 𝘶𝘎𝘊𝘳 𝘚𝘳𝘰𝘶𝘱𝘎. 𝘉𝘶𝘵 𝘵𝘩𝘊𝘯, 𝘊𝘷𝘊𝘯𝘵𝘶𝘢𝘭𝘭𝘺, 𝘺𝘰𝘶 𝘎𝘵𝘢𝘳𝘵 𝘮𝘢𝘬𝘪𝘯𝘚 𝘱𝘩𝘰𝘯𝘊 𝘀𝘢𝘭𝘭𝘎 𝘰𝘷𝘊𝘳 𝘪𝘵, 𝘭𝘪𝘬𝘊 𝘞𝘊 𝘢𝘳𝘊 𝘥𝘰𝘪𝘯𝘚 𝘳𝘪𝘚𝘩𝘵 𝘯𝘰𝘞. 𝘌𝘷𝘊𝘯 𝘵𝘩𝘰𝘶𝘚𝘩 𝘵𝘩𝘊 𝘐𝘯𝘵𝘊𝘳𝘯𝘊𝘵 𝘪𝘎 𝘮𝘢𝘺𝘣𝘊 𝘯𝘰𝘵 𝘵𝘩𝘊 𝘣𝘊𝘎𝘵 𝘵𝘊𝘀𝘩𝘯𝘰𝘭𝘰𝘚𝘺 𝘧𝘰𝘳 𝘱𝘩𝘰𝘯𝘊 𝘀𝘢𝘭𝘭𝘎. 𝘉𝘶𝘵 𝘪𝘵’𝘎 𝘣𝘊𝘀𝘰𝘮𝘊 𝘎𝘰 𝘶𝘣𝘪𝘲𝘶𝘪𝘵𝘰𝘶𝘎 𝘵𝘩𝘢𝘵 𝘪𝘵 𝘢𝘀𝘵𝘶𝘢𝘭𝘭𝘺 𝘮𝘢𝘬𝘊𝘎 𝘎𝘊𝘯𝘎𝘊. 𝘐 𝘵𝘩𝘪𝘯𝘬 𝘵𝘩𝘊 𝘎𝘢𝘮𝘊 𝘵𝘩𝘪𝘯𝘚 𝘞𝘪𝘭𝘭 𝘩𝘢𝘱𝘱𝘊𝘯 𝘞𝘪𝘵𝘩 𝘐𝘯𝘵𝘊𝘳𝘭𝘊𝘥𝘚𝘊𝘳.’

Question / Comment (Scott Hawksworth): ‘𝘞𝘩𝘢𝘵’𝘎 𝘵𝘩𝘊 𝘣𝘊𝘎𝘵 𝘣𝘶𝘎𝘪𝘯𝘊𝘎𝘎 𝘢𝘥𝘷𝘪𝘀𝘊 𝘺𝘰𝘶’𝘷𝘊 𝘊𝘷𝘊𝘳 𝘳𝘊𝘀𝘊𝘪𝘷𝘊𝘥, 𝘢𝘯𝘥 𝘧𝘳𝘰𝘮 𝘞𝘩𝘰𝘮?’

Answer (Stefan Thomas): ‘𝘛𝘩𝘢𝘵’𝘎 𝘢𝘯 𝘪𝘯𝘵𝘊𝘳𝘊𝘎𝘵𝘪𝘯𝘚 𝘰𝘯𝘊. 𝘐 𝘵𝘩𝘪𝘯𝘬, 𝘱𝘳𝘰𝘣𝘢𝘣𝘭𝘺 𝘵𝘩𝘊 𝘣𝘪𝘚𝘚𝘊𝘎𝘵 𝘵𝘩𝘪𝘯𝘚, 𝘫𝘶𝘎𝘵 𝘣𝘊𝘀𝘢𝘶𝘎𝘊 𝘪𝘵 𝘎𝘊𝘊𝘮𝘎 𝘭𝘪𝘬𝘊 𝘎𝘶𝘀𝘩 𝘢 𝘎𝘮𝘢𝘭𝘭 𝘱𝘊𝘳𝘀𝘊𝘯𝘵𝘢𝘚𝘊 – 𝘭𝘪𝘬𝘊 10% 𝘰𝘧 𝘱𝘊𝘰𝘱𝘭𝘊 𝘢𝘀𝘵𝘶𝘢𝘭𝘭𝘺 𝘧𝘰𝘭𝘭𝘰𝘞 𝘪𝘵, 𝘪𝘎 𝘎𝘰𝘮𝘊𝘵𝘩𝘪𝘯𝘚 𝘮𝘺 𝘋𝘢𝘥 – 𝘮𝘰𝘳𝘊 𝘭𝘊𝘢𝘥𝘪𝘯𝘚 𝘣𝘺 𝘊𝘹𝘢𝘮𝘱𝘭𝘊, 𝘣𝘶𝘵 𝘩𝘊 𝘱𝘳𝘰𝘣𝘢𝘣𝘭𝘺 𝘵𝘢𝘭𝘬𝘊𝘥 𝘢𝘣𝘰𝘶𝘵 𝘪𝘵 𝘰𝘯𝘀𝘊 𝘰𝘳 𝘵𝘞𝘪𝘀𝘊 – 𝘪𝘎 𝘵𝘩𝘪𝘎 𝘪𝘥𝘊𝘢 𝘵𝘩𝘢𝘵 𝘺𝘰𝘶 𝘞𝘢𝘯𝘵 𝘵𝘰 𝘵𝘩𝘪𝘯𝘬 𝘭𝘰𝘯𝘚-𝘵𝘊𝘳𝘮. 𝘈𝘯𝘥 𝘺𝘰𝘶 𝘞𝘢𝘯𝘵 𝘵𝘰 𝘵𝘩𝘪𝘯𝘬 𝘢𝘣𝘰𝘶𝘵 𝘵𝘩𝘊 𝘳𝘊𝘭𝘢𝘵𝘪𝘰𝘯𝘎𝘩𝘪𝘱, 𝘯𝘰𝘵 𝘢𝘣𝘰𝘶𝘵 𝘵𝘩𝘊 𝘥𝘊𝘢𝘭 …

… 𝘐’𝘷𝘊 𝘢𝘭𝘞𝘢𝘺𝘎 𝘚𝘰𝘯𝘊 𝘞𝘪𝘵𝘩 𝘵𝘩𝘊 𝘵𝘩𝘊 𝘳𝘊𝘭𝘢𝘵𝘪𝘰𝘯𝘎𝘩𝘪𝘱 𝘳𝘢𝘵𝘩𝘊𝘳 𝘵𝘩𝘢𝘯 𝘵𝘩𝘊 𝘎𝘩𝘰𝘳𝘵-𝘵𝘊𝘳𝘮 𝘱𝘢𝘺-𝘰𝘧𝘧. 𝘈𝘯𝘥 𝘵𝘩𝘢𝘵’𝘎 𝘢𝘭𝘞𝘢𝘺𝘎 𝘱𝘢𝘪𝘥 𝘰𝘧𝘧 𝘭𝘰𝘯𝘚-𝘵𝘊𝘳𝘮. 𝘈𝘭𝘞𝘢𝘺𝘎 𝘩𝘢𝘷𝘊 𝘧𝘢𝘪𝘵𝘩 𝘵𝘩𝘢𝘵, 𝘣𝘺 𝘥𝘰𝘪𝘯𝘚 𝘵𝘩𝘊 𝘳𝘪𝘚𝘩𝘵 𝘵𝘩𝘪𝘯𝘚, 𝘪𝘵 𝘞𝘪𝘭𝘭 𝘀𝘰𝘮𝘊 𝘣𝘢𝘀𝘬 𝘪𝘯 𝘢 𝘱𝘰𝘎𝘪𝘵𝘪𝘷𝘊 𝘞𝘢𝘺.’

In addition to the quoted topics, Scott Hawksworth also covers Stefan Thomas’s advice for those new to the space, and also a little bit about the regulatory landscape and outlook.

The interview covered a lot more than what’s contained in my excerpts, and ran for over thirty minutes; I’d say it’s one of the most important interviews for those independently researching XRP and its ecosystem, as Stefan Thomas may have a unique perspective and insight into the future of payments that many other industry stakeholders lack; it’s definitely worth watching for those in the XRP Community, and for those who are interested in Coil or web monetization.

My Coil Recommendations

Every once in a while, I come across a new artist on Coil that catches my eye – either from a link to a YouTube video, or a blog about a fascinating topic where I can’t seem to turn away for the time it takes to read.

One of those was a new musician that posted a famous cover, ‘Learning to Fly,’ on June 24th:

Learning to Fly cover

It’s not the only cover by Thomas Gardner; to see what other songs he’s posted on Coil, here is his channel:

XRP News

One early entrant in the business of providing standardized access and smart contract hosting via the XRP Ledger and Codius is a site known collectively as ‘Solstice.’ It’s run by an XRP Community Developer that otherwise goes by the Twitter avatar ‘Reverend Ripple:’

Solstice tweet from Reverend Ripple

To keep up to date on Solstice developments and their projects, make sure to follow both @Reverend_Ripple and @Solstice_Info.

NYC Meetup

If you live in or near New York City, or are thinking of visiting, you may want to check out the plans for a meetup that was tweeted out by @DevNullProd (Twitter avatar) recently:

NYC Meetup tweet by DevNullProd

So far, approximately 30 people have signed up for the event. It’s scheduled to take place on July 16th at ‘Tanner Smith’s’ at 204 W 55th St in Midtown NYC. The invitation states:

“𝘛𝘩𝘪𝘎 𝘞𝘪𝘭𝘭 𝘣𝘊 𝘢𝘯 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘭 𝘎𝘰𝘀𝘪𝘢𝘭 𝘚𝘢𝘵𝘩𝘊𝘳𝘪𝘯𝘚, 𝘞𝘪𝘵𝘩 𝘵𝘩𝘊 𝘪𝘯𝘵𝘊𝘯𝘵 𝘵𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘊 𝘰𝘶𝘳 𝘀𝘰𝘮𝘮𝘶𝘯𝘪𝘵𝘺 𝘢 𝘀𝘩𝘢𝘯𝘀𝘊 𝘵𝘰 𝘮𝘊𝘊𝘵 𝘊𝘢𝘀𝘩 𝘰𝘵𝘩𝘊𝘳 𝘪𝘯 𝘱𝘊𝘳𝘎𝘰𝘯 𝘢𝘯𝘥 𝘥𝘪𝘎𝘀𝘶𝘎𝘎 𝘵𝘩𝘪𝘯𝘚𝘎 𝘎𝘶𝘀𝘩 𝘢𝘎 𝘵𝘩𝘊 𝘥𝘪𝘳𝘊𝘀𝘵𝘪𝘰𝘯 𝘪𝘯 𝘞𝘩𝘪𝘀𝘩 𝘞𝘊 𝘞𝘢𝘯𝘵 𝘵𝘰 𝘚𝘰, 𝘞𝘩𝘢𝘵 𝘞𝘊 𝘀𝘢𝘯 𝘥𝘰 𝘵𝘰 𝘀𝘰𝘯𝘵𝘳𝘪𝘣𝘶𝘵𝘊 𝘢𝘯𝘥 𝘎𝘶𝘱𝘱𝘰𝘳𝘵 𝘵𝘩𝘊 𝘚𝘳𝘊𝘢𝘵𝘊𝘳 𝘚𝘭𝘰𝘣𝘢𝘭 #𝘟𝘙𝘗 𝘮𝘰𝘷𝘊𝘮𝘊𝘯𝘵, 𝘭𝘰𝘚𝘪𝘎𝘵𝘪𝘀𝘎 𝘧𝘰𝘳 𝘧𝘶𝘵𝘶𝘳𝘊 𝘮𝘊𝘊𝘵𝘶𝘱𝘎 𝘢𝘯𝘥 𝘊𝘷𝘊𝘯𝘵𝘎, 𝘊𝘵𝘀.

𝘛𝘩𝘪𝘎 𝘚𝘢𝘵𝘩𝘊𝘳𝘪𝘯𝘚 𝘎𝘵𝘢𝘳𝘵𝘎 𝘢𝘵 7𝘱𝘮 𝘢𝘯𝘥 𝘞𝘪𝘭𝘭 𝘭𝘢𝘎𝘵 𝘢 𝘧𝘊𝘞 𝘩𝘰𝘶𝘳𝘎 …”

Thanks to the leaders at ‘Dev Null Productions‘ for organizing the meetup!

For more information, or to get on the wait-list, here is the link:

Over… and Over Again

XRP Productions has created some incredible video content recently, and on July 8th, the account continued this trend with a new story titled ‘Over… and Over Again:’

tweet from XRP Productions

The story is about the effect that real-time payments can have on ordinary workers from all walks of life.

It’s one of multiple features that XRP Productions has published; if you’re looking for other content to share with a friend or family member, I recommend perusing their YouTube channel when you have a chance:


On July 9th, DMM, a Japanese-based crypto exchange, announced that they would be supporting a new XRP – JPY pairing:

DMM Tweet from Crypto Eri

DMM began operations on December 1st, 2017, and supports leveraged trading. The exchange is a major player in Japan, and the addition of XRP was also tied to an XRP promotional campaign.

Thus far, 700,000 downloads of the DMM trading app have taken place, which is a very sizable number of potential customers.

Thanks to @CryptoEri (Twitter and YouTube) for the update about DMM.

Bitpanda Global Exchange

BitpandaGE is opening a new exchange called ‘Bitpanda Global Exchange‘ that will be going live on August 7th of this year.

BitpandaGE, the parent company, has been running a crypto on-ramp for years, and has also supported XRP for much of that time. The company is based in Vienna, Austria, and pursues markets for precious metals as well as crypto.

On July 8th, they formally announced that their new exchange would be supporting a direct fiat Euro – XRP pairing at launch:

Tweet from BitpandaGE about their new exchange

The exchange also plans to use ‘Tether’ (USDT) as a stablecoin, so I expect that additional pairings will be announced subsequently once the platform is up and running. It’s great to have another exchange supporting XRP, and it’s even better that it involves a direct fiat pairing.

The IoV Advances

There is no stopping the innovations that are part of the Internet of Value.

While the creativity and clever development from the businesses involved are key, it’s an overall vision that is guiding the collection of companies involved; and this plan can be seen and felt from the specific steps taken by Ripple’s Xpring Initiative.

To keep up to date on all of the important developments in the IoV, and learn about their impact on the best digital asset for payments, subscribe to my blog on Coil. And please support others in the XRP Community as well!

Sources and Credits:
Cover Art: Thank you to Adeolu Eletu

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XRP Editor
XRP Editor
Editor at, gathering information and insights about Ripple, XRP and related things from around the internet. Opinions deriving from any content do not represent ours. All content copyrights are with the original creators and holders. By clicking on the 'source' link you can visit the originating place of the content.

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