Ripple’s Craig DeWitt Joins US Faster Payments Council’s Cross Border Working Group– The XRP Minute – On The Chain

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“This is my third crash in crypto-market, and I am not phased by it”- Ripple’s Asheesh Birla

In an interview with PCMag media, Asheesh Birla, Senior VP of Ripple’s Product Management discussed the cryptocurrency mechanism. We have seen that Ripple is constantly on its way to building on-demand decentralized products such as xRapid, xCurrent, xVia, RippleNet and more. During the discussion, Asheesh heads up explaining the difference between cryptocurrency and blockchain. He began talking about the cryptocurrency regulation, the goal of Ripple’s cross-border payments along with the future of decentralized apps.

Ripple’s Price Factor
Since the bear market battle between XRP and ETH has taken place several times these days, Asheesh Birla’s first talk began with the question regarding factors affecting the price of Ripple’s day-to-day operations. He said that they don’t think about the day-to-day price factor rather looking at the longer market term. As Ripple’s principal, he advises the other crypto project must think about the long-term than considering the market for day-day volatility.

He explains that;

This is my third crash now in the crypto-market, and I am not phased by it. The flip side is that sometimes you crash and take out all the folks who are not focused on solving real problems and real use cases. And, I think you are going to see some really interesting companies come out of this next downturn.

Blockchain Projects Are More likely Built on Google Sheet
He strongly believes in the volume and liquidity to make the digital app noticeable. During the talk about how blockchain companies separating the coins from technology, he explains that the key of blockchain is to provide a 10x better experience and if not ‘do not use blockchain’ he advised. Moreover, he argued that some of the projects that claimed to be on blockchain technology are not essentially working on it. Rather, projects like blockchain tourism appear as Google Sheets and ‘not a sophisticated decentralized blockchain database’ he said.

So that’s been the frustrating part. When prices are climbing, people are using it as marketing either to get funding or to get rid of [their coins].

On questioning blockchain beyond Google sheet and database and his view about the Ripple’s widely deployed blockchain App, he points the high fees charged by Citi Bank, JP Morgan and HSBC for cross-border transactions. He emphasized, Ripple’s underlying technology can work cross-border ‘without friction and without permission’ and criticized these banks, stating;

Today, if you want to money across borders, you are essentially trusting Citi Bank, JPMorgan, or HSBC. Those three banks control most of the cross-border flow. Either directly or indirectly, you are going to trust those three companies to move money on your behalf and they charge whatever fees they want. If they don’t care about the emerging market or the other firms then expense just goes up and up and up.

Trends and Potentials for Ripple & Blockchain in Southeast Asia

In his view, Southeast Asia with friendly regulation knows the value and potentials of blockchain technology. He compared the growth of blockchain with the trend of cell phones and mobile devices. Moreover, he pointed that instead of 1950’s wire technology or SWIFT, ‘we are going to use blockchain’. Nevertheless, According to Asheesh, there is 80 percent of trading traffic that comes from Asia which he thunks three factors that derive the trend;

Ripple is focusing the countries like India to make overseas bank transfer easily. Accordingly, he said Ripple’s regulatory crew is closely working to build the progress where Indians can connect their bank account directly via their phones and access them. Moreover, Ripple’s aim in India is to educate regulators about the fundamental and potential of blockchain to move money.

Ripple in 2019 is closely analyzing the companies that build an app on top of XRP. He points out few of the firms powered by XRP ledger including Ripple for cross-border payment, Coil using XRP ledger for micropayments, Omni employing XRP Ledger for renting and storage.
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