nvds888

As the sun slowly disappeared behind the distant hills, we began to question our irrational endeavor. Sore feet prevented us from enjoying the unstrained experience. Suburban life of a developing country, not something you see every day. Blindly we followed the small asphalt road. Squeaky houses on both sides, and uncontrolled cows everywhere! The large animals seemed to be the Nepali equivalent of mosquitos, if that even makes sense.

A stiff neck, definitely the direct consequence of the heavy backpack. About 13 kilos strapped around my worn out shoulder blades. It killed me! At the turning point, three children showed up. They were fascinated by our ‘’non Nepali’’ appearances. They giggled, and touched our bare legs as we gave them a pat on the head. It felt comforting to have some trusted company for a bit. In the meantime, it had already been half an hour since we’d left the local bus. Google didn’t work properly, and dusk came around the corner. I would be lying if I said that I didn't feel some arising anxiety. An unpleasant silence and distance prevented us from engaging in heated arguments. A bittersweet coating glued itself around our agonizing thighs.

Finally, a sign of our final destination! A large building established against the sharp hill, outdoor swimming pool stretching over the green grass up front. The peculiar location of the tourists night stay was a question for another day. Our feet whinged, and our bellies screamed. The joy we felt that the hotel wasn’t some sort of disgusting hole, it can’t be described in words. Suddenly, the all so serious mood was set free, and flew away. Time for food!

The lady who had invited us to this place stepped into the room. She seemed delighted. My friend had met her up in the air from Dubai to Kathmandu. The woman had a skinny appearance, and a slightly tanned skin. She’d been in Nepal for business. As we sat down in the restaurant for some well deserved dinner, she showed us the designs she’d made. Leather purses, frosted with tiny buttons. Cheap production had brought her to this humble country. All tension of today’s journey escaped our sight. It was a pleasant switch back to sweet ol’ calmness. Any experienced traveler would agree, backpacking is like bipolar disorder on steroids.

We shared a comfy room with the three of us. Me and my companion resided on the bigger twin. Exhausted from the long journey, conversations dried up soon. To the right of me the tall woman kept searching her backpack. With little effort she threw out almost all of her clothes. Spread all over the filthy wooden floor. On the old television, a Ducktales movie played. Donald was all mad on his rich uncle. The classic soundtrack of the animation propelled our attention.

''Tadaa!'' She said ecstatically.

Slowly she pulled up her right hand. Between her long narrow fingers, a plastic bag surfaced. Fascinated we followed her every move. She didn’t proclaim the content of the bag just yet. A tender build up to what seemed to be an enthralling unknown for the two of us. What could be in the bag? **We absolutely didn’t had a clue!
**

‘’It’s weed, you guys.’’ As she said the words, she stretched the opening of the bag.

A fierce smell of raw grass immediately spread throughout the air. Tiny sticks of harvest goods entered our eyesight. It was a lot!

She told us she went to a field up in the mountains earlier today. The notorious ‘’unknown celebrity’’ (next blog post) gave her a tour around the bound. All of them had taken a big bag of the unprocessed stuff, as it was free. The ‘’unknown celebrity’’ happened to be good friends with the old farmer. Who was this famous guy?

Without hesitation she prepared us a fine blunt. My friend and I, still paralyzed by the fast amount of narcotics, inspected the heavy plastic bag. It was all part of the Nepali experience, she said. Up in the mountains, the use of various medicines was as common as the rising of the sun. Everything to achieve a higher state of mind.

‘’Are you guys ready?’’ She rolled her eyes with a smile on her face.

From the desk behind the bed she stole a purple lighter to torch the piece of art. As we stared at the thick product, it beautifully lit up!

To be continued...

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Without a doubt, the next day everything was different. Eternal calmness, no more.

My eyesight was covered with raw dust particles. Men shouted. My ears, vacuumed by the unconventional frequencies emitted by the vulgar traffic. Both my shoulders started to sting. The heavy payload rubbed against my sweaty back, stretching my fragile fur. As I walked alongside the road, my neck experienced some discomfort. Leather buckles or not, heavy backpack ain’t a pleasant thought. My companion, on the other side of the fruitful road, grasped for some fresh air, but didn’t find a proper float. Within seconds our internal bias of Kathmandu had changed. After we’d left the backpacker area (Thamel), the chaotic signs of an underdeveloped country appeared.

Now, minutes had passed without any advance. The morning sun touched our indefensible pale skin. It was really hot! Intensely our heads glanced from left to right, but nothing.

The bus station?

They meant the busy intersection.

Local busses didn’t even had the courtesy to stop. In the middle of the road they slowed down so that brave workers, humble mothers, and playful children could come along. An older lady stood and stared, couldn’t located, and seemed to literally drown. As we closed in on the humongous junction of ‘’death’’, we slowly lost trust in finding our ride. Chaos at its prime. We had to find a local bus that would bring us to a particular station, a station of which the name we could not pronounce. No schedule, no service desk, and no translators. Just us, and plentiful of soon to be extinct busses that gently disappeared with most of the crowd.

My friend, with his blonde lock and blue T-shirt, waved to circumvent the need for words. Traffic was loud. Unnecessary honking all around. But, he seemed to have figured it out! A car drove by with immense speed, dust particles scattered throughout the unprepared air stream. In a reflex my right hand moved to my left eye. Oh, it couldn’t just already stop with all that pain?!

In the close distance between the lucid smother, our bus finally appeared. Quickly we moved. Throughout the traffic, over the loose bricks, inside the metal can.

We were on our way to the outskirts of Kathmandu. Far from the tourist center, and into the elegant hills. Now, why did we deviate from the traditional track? As if you wouldn’t like to know. The bus bounced up and down the broken road. My friend and I sat up in front, next to a shy goat. Aggressively the chauffeur pushed the claxon, and slowed immediately down. A glance on the road ahead made us smile. Cow, white and brown, laid worriless his head down. We couldn’t pass. Traffic was hot. The chauffeur kept pushing the claxon, but the cow didn’t nod.

About an hour later, we magically arrived. Again no station, no signs, just a dusty pavement on the side. We were amazed. Now, the sun was slowly setting, we could finally jump off board. We didn’t exactly feel like it, but from here we had to walk. No Uber, no taxi, no nothing except our precious feet. As we looked up the proper directions on Google Maps, a big crowd gathered around our knees. Nobody said a thing. Just ten random guys, curiously checking in. We appeared to be rockstars. The triggered reactions made it perfectly clear, this part of town ain’t for tourists, oh dear.

To be continued..

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What if someone tells you to pay for every WhatsApp message you send? What would your reaction be?

We might not remember all that good, but not that long ago this is exactly what we did. We paid for our words to be sent to other people.

You’ve got mail!

Delightly we paid about half a dollar for a postage stamp to send our summary of words to our beloved family and friends. In today's day and age we’re used to send a multitude of useless words to the other side of the world, before breakfast, and without any cost.

The main reason this revolution happened is because of the internet. The internet provided us with a new way to send messages, abolishing the need to buy an envelop, or pay the delivery boy.

One thing you might notice is that we’re still stuck in the ‘’mail’’ system when it comes to payments. We are still forced to send a long letter once a month (big amount of money), instead of one quick update every hour (micropayments).

This is because the current system is still far from being efficient enough to handle the fast moving world we live in today.

But good news: the future has arrived

Just like the internet revolutionized messages, blockchain is here to revolutionize payments. By using open-source and decentralized technologies, we’re now getting close to a reality in which we can send a fraction of a dollar without any (neglectable) cost, and instantaneously. **Isn’t that great?!
**

When I was a bit younger, my uncle and aunt from Guatemala used to give me money as a birthday present. While they congratulated me by sending a quick SMS, I used to get my birthday present (the money) from my grandparents. This, because there was NO way for them to send me that money themselves. If they did and used our antique payment system, half of the amount would’ve been eaten by fees, and multiple weeks would pass before the remaining euros would actually appear in my bank account.

As of today, we are starting to see the possibilities that these new technologies have to offer. By using The Interledger Protocol, and combining it with value tokens (digital assets and stablecoins), sending money around the globe isn’t that big of a problem anymore. Instead of expensive, slow, and unreliable payments, now we have the ability to send money the same way we send a WhatsApp message. And Interledger Protocol goes even further than that, imagine sending money from your Paypal account directly to your friends Bitcoin wallet. This isn’t even possible with todays messaging platforms! Sending an e-mail directly to your friends Instagram Direct? Sorry, but not possible, sir.

Interoperability is key in the emergence of the interconnected Value Network.

There is an incredibly wide variety of payment platforms and currencies out there, and it would be highly convenient if they could talk to one another. The high interoperability between those ‘’rails’’ will eventually abolish the, so called, ‘’walled gardens’’.

Walled gardens

The past few years we've become accustomed to the need of multiple subscriptions. Netflix, Amazon Prime, Spotify, Coil, and much more. Annoying isn’t it? All these platforms you have to register for, all with their own username and password. It’s confusing and highly inconvenient!

Now imagine a world in which all of these platforms can communicate to each other. Add the ability to exchange micropayments, and theoretically we're ready to pay as we consume.

It’s ignorant to assume that these new technologies will not be utilized properly. In the end, all that really matters is the consumers convenience.

Customer experience.

Walled gardens have definitely proven to be much more likeable than the ad based model. Although, history tells us that they won't last either.

The payment revolution is happening as we speak!

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Content creators, regular famous people, models, bloggers, and vloggers...

How do they all make money?

Ofcourse, that’s right, they often post those annoying things in their IG stories..

Soul sucking advertisements that always seem to interrupt us when we appreciate it the least. If you have ever used Youtube, Instagram, Facebook, Snapchat, Google, or do not live under a rock, you probably know what I’m talking about. Without ever having scratched our heads about it, those annoying ads have become an integral part of our internet family. The black sheep, most definitely, but still a part of the family.

But we understand, we do. The platforms we use on a daily basis are free after all, of course they have to place some adds to make a profit. Unknowingly, even before we could ‘’like’’ one of Will Smith’s crazy IGTV videos, the online platforms had already transformed into the world's most powerful marketing machines.

**How powerful? You ask.**

Powerful enough to get us to buy something? **That’s right!
**

Powerful enough to influence national elections? That’s right!

And still, we don’t really seem to care..

**Why procrastinate about the business model of a company that provides services to us for FREE?
**

In the traditional sense of the word we are right, we never had to give them our credit card details.

For god's sake! Our hard earned cash isn’t donated to the charity of “Zuck"!Jeez!

Now that’s true, but we are dead wrong about it being for FREE. Instead of paying with our money, we pay with something much more valuable than the green paper. Something that we consciously would never sell for a nickel or a dime: our precious data.

So Niels, you ask. Why do I pay with my most valuable secrets, and in return I get more annoying ads than ever?

Me: the web is broken.

Reinventing the web

Coil is a subscription based platform that allows users to stream micropayments to creators in real time. By doing so, creators have another/better opportunity to monetize their content. A model that doesn't utilize personal data. Some of the benefits of Coil’s web monetization are:

1. Creators can start monetizing their content even when they have a small audience.

2. Creators don’t have to propagated annoying ads in order to make some money.

Coil describes its goal as:

We exists because content monetization doesn’t work for everyone, and we think it should. Our model offers an alternative to the status quo of paid advertisements and selling the public’s attention to the highest bidders – A solution that will serve the people who aren’t being served well today.

Will Coil succeed and reinvent the web? There definitely lies a tough journey ahead. The truth is that they can't do this by themselves..

They need your help!

Start today by joining the early adopters of Coil, and become a subscriber!

**Participate in the Web Monetization revolution!**

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It’s been alright. Yeah, that’s right, I’m not that enthusiastic. Don’t get me wrong, starting out as a blogger is tough. The past week I’ve spend multiple hours writing. The words that appeared on my laptop seemed: perfect. As any inexperienced newbie, I expected people to notice my sublime writing from the start. This fairy tale concept of mine obviously didn’t hold ground for long.

The first day of writing was still ‘’good fun’’.

I was excited to translate my vivid thoughts into a readable medium. The words kept emerging without any effort on my part. For a minute it all seemed so easy. I most definitely can write one quality article a day, I thought. Poor ol’ fool me.

It didn’t take long for the tide to turn..

The second day of writing was anything but a delight. Doing great effort to create some worthy illuminating words didn’t pay off. Somehow they all resulted in weak sentences.

Forcing creativity is like asking a dog to speak.

Soon I became bored.

**Why spend my free time on this crap?

**

Without being too conscious about it, I decided to visit the Coil explore page. Scrolling down through the many newly established articles, I noticed something. It wasn’t just me that didn’t gain any traction. A few fairly well written episodes only showed for a handful of likes. The misery of the other brave bloggers brought me right back my lost confidence. No traction doesn’t necessarily mean that my blogs are ‘’shit’’. I mean, they probably still suck, but traction obviously isn’t the best metric to measure this truth.

So, how should I measure the quality of my articles then?

I decided to look at my profit. The monetization of my content would show if (any) people actually gave a f-ck. Coil subscribers would stream micro-payments as soon as they clicked on one of my posts. If I had made any profits at all, that would prove that people actually had read my posts.

Alright, it isn't much, but some people actually gave a f-ck!

This is one of the things that's so great about Coil:

You can start making money from genesis.

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There is more to life than increasing its speed

*- Mahatma Gandhi*

Agra, India

An annoying tone entered my vivid dream. The alarm I’d set the evening before reverberated through the dark dorm room. Four narrow bunk beds covered the tiled floor. In a rush, I skillfully manoeuvred out of my top bunk.

**I couldn’t be more excited!**

It was exactly 5.01 in the morning and my mind was already running diligently. While I sneaked to the dorm’s bathroom, that was located next to the entrance, another alarm started to buzz. It was the oversized smartphone of the South Korean guy. Except for him and me, the room wasn’t occupied.

His black lock, and ‘’I love India’’ T-shirt made him loved among the hostel’s staff. I’d met him the previous evening at the rooftop restaurant. While we were enjoying a cold draft beer, he had made fun of me. Earlier that day, my train from Delhi got stuck in traffic. Because of the short distance between Delhi and Agra I dared to book a non-AC seat to save a couple of bux. It appeared that the overloaded carriages started to transform into the world’s most powerful sauna once the train stopped moving. He had taken the same train as I had, but while I was busy sweating from my ass, he went for a nap in his first class coupe.

Anyway,

I arrived at the hostel just in time to experience… What’s the word again?

Aha, that’s right!

**Beauty.**

At 5.30 in the morning we left. Me and my South Korean friend scrambled through the darkness. The poorly lit roads shed enough light to exhibit extreme poverty. A couple of kids, wearing dirty clothes, came to beg for some loose change. I was quite shocked to be honest. Exactly the circumstances you wouldn’t expect just a mile from one of the world’s seven wonders.

It definitely was a well orchestrated road that led us to the Taj. The grey bricks, fully packed with the enthralled tourists, all carrying their 1000 dollar cameras.

I remember I’d to diverge to the pavement to quickly tie my shoes. While I was at it, something broke my concentration. I couldn’t fathom what I saw until I got a second glance. A young mother and her newly born child were sleeping in a dark corner of the filthy street. Right next to them a little river filled with chemical liquids disappeared into the bushes. A look over my right shoulder revealed the many elderly, extravagantly dressed up for the most important picture of their India trip. One place, two worlds.

After surviving the long queue filled with curious birds, we were surprised that we could enter the ivory-white mausoleum for free. Normally about 20 dollar a person, now absolved because of the occurrence of some national holiday. After security searched our backpacks, we could finally enter the well maintained area. To the right of us we noticed a beautiful building that seemed to serve as:

**The gate to heaven.**

In the distance the stunningly designed marble piece entered our viewfinders. The eternal beauty of the round shapes affected the rhythm of my heartbeat. Often, these kinds of buildings become overhyped, but not for the Taj Mahal! The reflection of the sun on the humongous white bricks made me reconsider the definition of the word cleanliness.

The little town

Around 8 am we’d seen what we wanted to see, and decided to head back to the hostel. Among the way I noticed a small road that was primarily used by the local salesman. An alternative route. Recently I’d acquired my fabulous Sony camera, and I desperately wanted to snap some shots of local life. The small road led us to what appeared to be the heart of an alienated town.

Salesman of any kind. Children, dressed in blue school uniforms. It felt like we’d fallen out of a time machine. Horses were used to transport goods. Housewives visited the town’s well to top up their ‘’fresh’’ water supplies. I couldn’t help it but feel like:

*Skywalker in the Black Knight.*

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Already my fourth blog post, what should I write about? After opening up Twitter and scrolling down my feed on a slow friday morning, I decided to utilize my acquired knowledge about the XRP Ledger to dismantle some common ‘’FUD’’. ‘’FUD’’, aka ‘’Fear Uncertainty and Doubt’’, is often aggressively bombarded towards the well educated XRP community.

When I first joined Twitter, with the goal to stay up to date with my XRP investment, I often found myself overwhelmed by the magnitude of contradicting statements floating around. In general it can be hard to separate the ‘’FUD’’ from the actual facts. My experience has taught me that many respectable crypto enthusiasts often spread unsubstantiated ‘’facts’’ to their thousands of followers. The thought that on a daily basis many oblivious people follow the lead of these ‘’maximalist’’, and self proclaimed ‘’gurus’’ is just nuts. In order to form a rational opinion about the wide variety of crypto coins it’s of the utmost importance to provide your frontal cortex with actual legitimate information.

So, in this blog post I will try to put the most common misconceptions about XRP to bed.

**XRP is centralized

**

Ah, the furious debate about the decentralization of the XRP Ledger. At the time of writing 80% of the UNL (Unique Node List) validators that validate transactions on the XRP Ledger are not in any way controlled by Ripple. Since the summer of 2018 control over the XRP Ledger has rapidly dispersed by the addition of many new validators. Anyone that wants to run a node to further improve the decentralized nature of the XRP Ledger can do so. In this article Wietse Wind explains step by step how to set up your own node.

Also, I want to emphasize that decentralization is subject to interpretation and can’t be measured directly. Ripple’s CTO David Schwartz notes that it might be more useful to look at the resistance to specific threats instead.

**Ripple is dumping XRP on the market

**

No day goes by without some prominent crypto figure bashing Ripple for dumping XRP on the open market. First, let me begin by stating some facts that are important to know:

1. Yes, Ripple owns about 50% of the total XRP supply.

2. No, Ripple can’t dump all their XRP on the market as it’s locked in escrow accounts.

3. No, Ripple did not, and can not create XRP out of thin air.

Each month 1 billion XRP units are released out of escrow. Ripple often sells just a tiny fraction of these 1 billion XRP units and locks the residue back in escrow. Please note that this does not necessarily mean that the sold XRP is directly exchanged to any other currency. Profits from these sales are invested in the further development of the XRP ecosystem. The latest investment by Xpring (Ripple’s developer platform for payments) in Towo Labs:

‘’will give XRP holders the ability to leverage all transaction types on the XRPL in a secure format addressing the usability issue faced by crypto users.’’

This is just one of the many investments Ripple has recently made in the XRP ecosystem.

CEO Brad Garlinghouse has stated that it’s Ripple’s goal to set an example by being transparent. This is why Ripple made the decision to release a quarterly market report in which they address their programmatic and institutional direct sales of XRP.

I hope that this information will give you a better understanding of what is actually happening. The statement: ‘’Ripple is dumping XRP on the market’’, does not remotely reflect the actual truth. By smartly using their XRP units to drive more value for the XRP Ledger in the long run, Ripple is again leading by example.

XRP is a security

As of today, multiple countries have already acknowledged that XRP does not classify as a security. One example is the UK. The FCA (Financial Conduct Authority) has classified XRP, like Ethereum, as a utility token.

In the United States there’s still unclarity about whether a coin is a security or a commodity. A lot of critics are claiming that the asset XRP has the characteristics of what under US law is seen as a security. The most prominent arguments that these critics make are:

1. Ripple has created XRP

2. Ripple has total control over the XRP Ledger

3. XRP had no utility at inception

Obviously there are many more arguments made by these critics, but I wont address them all. My only goal here is to give you a taste of the actual situation. In the end it’s up to the federal government agencies (CFTC or SEC) to determine whether XRP is a security or commodity according to US law. Whatever they decide is only applicable within the United States.

''Ripple has created XRP
''

Without wasting any time, let me get down to the facts immediately. In 2012 David Schwartz, Arthur Britto, and Jed McCaleb conceived the XRP Ledger. This includes the asset XRP. The company OpenCoin was founded after the three gentlemen had done their magic. Eventually, the founders of the XRP Ledger decided to gift a certain amount of the asset XRP to the company OpenCoin (now known as Ripple).

**''Ripple has total control over the XRP Ledger''
**

As we’ve discussed earlier, at the moment about 80% of the UNL validators are out of the control of Ripple. This means that Ripple does not control the majority (50%+) of nodes that are required to have total control over the XRP Ledger.

''XRP had no utility at inception''

The asset XRP is required to execute a transaction of any kind on the XRP Ledger. Without XRP you can't use the XRP Ledger. So, it’s pretty clear that the asset XRP had indeed utility from the moment of inception (to pay fees etc.).

The salty sea water splashed into the faces of the anxious crew members. Captain Bradicus tried hard, but couldn’t see the surface through the dirty water. With his hook he grabbed the steering wheel and smoothly turned the enormous ship in the right direction. The afternoon breeze made the obnoxious monkeys deep in the jungle scream. Fresh sweat appeared on Bradicus’s forehead. His heartbeat steadily transcending. The alternate payload troubled all of their souls. Was the ship still too heavy?

Captain Bradicus had taken an audacious approach and was determined that he would find a faster sea path. The regular journey to the white beaches of Mexico would take days. The wild ocean would almost certainly rob a big piece of the cargo, and patriotic sea man would get sick, and die in vain. With his iron hook he fidget in his soft grey beard. There must be a better way, he thought. A faster and cheaper route to the exotic land of Mexico.

It didn’t take long before captain Bradicus found himself a potential corridor through the dangerous land. The only downside of the small river was the abundance of liquidity. His big ship would never make it through without getting stuck in the dirt. In order to deal with this obstacle he could only afford to transport a small amount of the supplied cargo at the time. To captain Bradicus this was perfectly fine. He knew he could easily make several round trips and still be faster than those who would take the traditional trade route and touch ocean. Also, making more trips would increase the power of the current, and hence improve liquidity over time. This would mean he could probably soon begin to increase the amount of cargo again.

However, his business partner Alexandrius didn’t concur. ‘’Making the same trip with only a quarter of the cargo, are you nuts!’’, the truth was that the newly discovered corridor was part of the unknown. The risk of this unknown seemed to be too high for the conservative businessman that had already optimized for the traditional trade route. It didn’t make sense to him to change his strategy. Captain Bradicus tried to convince businessman Alexandrius, but did not succeed. While staring at the rainy clouds aligned in the dark sky, he thought of a possible solution to this pickle.

The next day captain Bradicus approached his latest business partner and proposed to invest some of his own savings into his business. Alexandrius kindly rejected. Although his business had slowed way down on a year to year basis, he couldn’t fathom the idea of radical change just yet. Captain Bradicus put his arm around his scrawny shoulders and proposed another something, another brilliant idea that would make the procrastinating man feel more at ease. The first five roundtrips through the new corridor will be on my responsibility, he proclaimed. We will look at it as a ’test run’’. Alexandrius looked intrigued. For the first time his pale blue eyes reflected a glance of confidence. The two men proudly shook hands.

‘’Let's put a dent in the universe’’, Bradicus whispered.

Moneygram x Ripple

On June 17th 2019 Ripple announced their strategic partnership with money transfer giant, MoneyGram. The purpose of this partnership, from Ripple's perspective, is to increase liquidity in existing xRapid corridors (Mexico and Philippines), and open up multiple new xRapid corridors. This to lay the necessary foundation from which adoption can accelerate.

Recently Ripple rebranded their xRapid product to On-Demand Liquidity (ODL).

The use of Ripple’s ODL product will allow MoneyGram to streamline their global liquidity management and increase operational efficiency. Instead of pre-funding destination accounts, MoneyGram can tap into XRP’s available liquidity for instant settlement (example: USD to XRP to MXN).

As of Q3 2019, the ODL volume in corridor USD-MXN has been steadily increasing.

This is the beginning. With the high probability of new ODL corridors opening up soon, Ripple is aggressively expanding the reach and liquidity of its ODL product through utilizing MoneyGram’s existing markets.

With the short analogous tale about captain Bradicus and Alexandrius I tried to outline the emergence of this strategic partnership.

It's almost never a good idea to be absolutely first when adopting a new technology. This is because ''the unknown'' could potentially drive up R&D costs that those who adopt later will avoid. Also, there's the ''chicken or the egg'' dilemma when thinking of XRP's liquidity in certain markets. How can you tap into liquidity that's not there yet?

My personal opinion about this partnership is that many people underestimate the magnitude of it. For both Ripple and MoneyGram this partnership will prove itself to be incredibly fruitful. MoneyGram is active in many many markets. Together with Ripple they can quietly expand the reach of the ODL product, build up liquidity, and eventually position itself as a prominent payment hub on Ripplenet (Ripple's DLT payment platform existing of 200+ banks and FI's).