Xrp ledger что это
Главной целевой аудиторией XRP являются банки и платёжные системы. При этом благодаря быстрому проведению платежей криптовалюта также может использоваться как источник ликвидности. Последний позволяет обойти предварительное финансирование корреспондентских счетов и таким образом обеспечить платёжные услуги на новых рынках по более низким ценам. В идеале криптовалюта XRP станет инструментом решения некоторых сложностей в мире международного банкинга и платёжных рынков. Речь идёт как о медленном проведении транзакций, так и высоких комиссиях, с которыми сталкиваются институциональные инвесторы.
Компания Ripple была основана в 2012 году в рамках корпорации OpenCoin. При этом разработка ранней версии криптовалюты XRP началась под руководством Джеда Маккалеба и Криса Ларсена в конце того же года.
В данный момент Ripple управляется генеральным директором Брэдом Гарлингхаусом. Компания получила финансирование от нескольких популярных инвесторов и фондов венчурного капитала. Также она успела запустить три главных финансовых продукта — xCurrent, xRapid и xVia.
Особенности и варианты применения XRP
Прежде всего XRP используется как средство проведения платежей и обеспечения ликвидности в RippleNet – глобальной сети платежей и ликвидности от Ripple. По сути XRP выполняет роль распределённого реестра, где транзакции обрабатываются и проводятся с помощью шлюзов. Это напоминает происходящее в некоторых частных блокчейнах.
Протокол транзакций Ripple — главная составляющая сети. Именно он даёт возможность участникам по типу финансовых институтов отправлять и получать XRP вместе с фиатными валютами с расчётным временем в четыре секунды. При этом комиссии за переводы здесь ничтожные. RippleNet способна обрабатывать около 1500 транзакций в секунду — данный показатель известен под аббревиатурой TPS.
Сейчас экосистема RippleNet включает в себя 200+ банков и платёжных провайдеров.
При этом RippleNet также позволяет участникам сети быстро обменивать фиатные валюты и крипту. Это превращает её в идеальный продукт для институциональных инвесторов, которые перемещают крупные объёмы средств, а также рассчитывают на быстрое проведение транзакций и низкие комиссии. В любом случае XRP в рамках сети RippleNet всё же скорее выполняет роль источника ликвидности при обмене валют, а не полноценной криптовалюты на фоне того же Биткойна.
Сеть контролируется определённым количеством валидаторов, которые делают её более централизованной в сравнении с публичными блокчейнами, такими как Биткойн или Эфириум. При этом в дальнейшем руководство Ripple планирует сделать протокол более децентрализованным.
Финансовые продукты и целевая аудитория
Основная целевая аудитория для RippleNet и XRP — финансовые учреждения, например, банки, и платёжные провайдеры. Вдобавок все ключевые финансовые продукты компании — xCurrent, xRapid и xVia — нацелены на финансовые институты, платёжных провайдеров и предприятия.
Один из трёх ключевых финансовых продуктов Ripple под названием xCurrent в данный момент рассматривается как главный конкурент для устаревшей системы SWIFT. При этом сам xCurrent позволяет банкам и платёжным провайдерам проводить быстрые трансграничные платежи с низкими расходами и поддержкой двунаправленного обмена сообщениями. Большая часть финансовых клиентов Ripple являются пользователями продукта xCurrent.
При этом сам XRP не требуется для взаимодействия с системой xCurrent.
xRapid — это продукт компании Ripple, который использует XRP в качестве источника ликвидности. Систему xRapid часто называют «ликвидностью по требованию». В целом она убирает необходимость в корреспондентских счетах, что в свою очередь снижает стоимость проведения международных платежей. xRapid – это дополнение к платформе xCurrent. В данном случае XRP выступает в роли цифрового актива-посредника, который открывает доступ к ликвидности.
xVia — это платёжный интерфейс с поддержкой API для бизнесов. Последние позволяют подключаться к сети RippleNet и проводить платежи. При этом наличие монет XRP здесь не требуется.
Ripple продаёт XRP финансовым институтам. Как сообщила компания, общая сумма продаж монет за первый квартал 2019 года составила эквивалент 169,42 миллиона долларов США, из которых 61,93 миллиона пришлись на институциональных инвесторов. Ripple также создала Interledger, протокол для проведения кросследжерных платежей.
What Is XRP / XRP Ledger?
Launched in 2021, the XRP Ledger (XRPL) is an open-source, permissionless and decentralized technology. Benefits of the XRP Ledger include its low-cost ($0.0002 to transact), speed (settling transactions in 3–5 seconds), scalability (1,500 transactions per second) and inherently green attributes (carbon-neutral and energy-efficient). The XRP Ledger also features the first decentralized exchange (DEX) and custom tokenization capabilities built into the protocol. Since 2012, the XRP Ledger has been operating reliably, having closed 70 million ledgers.
Who Are the Founders of the XRP Ledger?
In 2012, David Schwartz, Jed McCaleb and Arthur Britto launched the XRP Ledger with its native currency XRP as a faster, more energy-efficient alternative to the Bitcoin blockchain. In September that year, along with Chris Larsen, they founded the company that is today known as Ripple.
What Makes XRPL Unique?
The XRP Ledger presents a wide variety of applications and use cases related to payments including micropayments, DeFi, and, soon, NFTs. Deployed in 2012, the XRPL supports enterprises and Python, Java and JavaScript developers with powerful utility and flexibility. On the XRP website, developers can access different tutorials to help them get started using different coding languages, building apps, managing accounts and more.
Alongside its native coin, XRP, the XRP Ledger is used by developers to create solutions that solve inefficiencies, including remittance and asset tokenization. Currently, the five main applications of the XRP Ledger are payments, tokenization, DeFi, CBDCs and stablecoins.
How Many XRP Coins Are There in Circulation?
The XRP Ledger architects gifted 80 billion XRP to Ripple so that the company could build use cases — including its global payments network, RippleNet — around the digital asset.
How Is the XRP Ledger Network Secured?
Unlike Bitcoin or Ethereum, the XRPL uses a unique Federated Consensus mechanism as its method of validating transactions. Transactions are confirmed on the XRPL through a consensus protocol, in which designated independent servers called validators come to an agreement on the order and outcome of XRP transactions. All servers in the network process each transaction according to the same rules, and any transaction that follows the protocol is confirmed right away. All transactions are public and transparent, and anyone can operate a validator. There are currently over 150 validators on the ledger, operated by universities, exchanges, businesses, and individuals around the world.
Through the Federated Consensus mechanism, all verified transactions can be processed without a single point of failure as no single participant makes a decision independently.
Where Can You Buy XRP?
XRP is listed on many CeFi exchanges globally, including Binance, Huobi and Bitstamp.
To learn more about this project, check out our deep dive of XRP.
Ripple and the SEC
Since late 2020, Ripple Labs, the creators of the XRP token, has been locked in a legal battle with the United States Securities and Exchange Commission. The big question is whether or not XRP is a security.
On Dec. 22, 2020, the SEC filed a lawsuit against Ripple Labs and two of its executives on the grounds that they traded $1.3 billion in their XRP token as security without registering it with the commission. There have been arguments for and against the lawsuit. However, Ripple has strongly countered the claims, arguing that the SEC has been biased in its assessment.
The SEC uses the “Howey test,” based on the Supreme Court ruling on SEC v. W.J. Howey Co in 1946, to determine whether a cryptocurrency is a security. An asset is considered a security if it is sold with the expectation of getting profits from the efforts of other parties. Based on the commission’s definition of XRP in its lawsuit, the cryptocurrency would pass the Howey test, and according to SEC regulations, all securities must be registered.
While most companies targeted by the SEC in a similar matter chose to settle, Ripple decided to fight. The outcome of the lawsuit will undoubtedly have far-reaching implications in the crypto space. If Ripple prevails, the SEC could lose some of its credibility, giving other crypto-based companies the confidence to revolt. On the flip side, if the SEC wins the case, it could upend the way crypto firms operate and usher in a new wave of registration rules that apply to securities.
What Is XRP Ledger (XRPL)? How does it work? [UPDATED]
In the ever-evolving landscape of cryptocurrencies and Blockchain technology, XRP Ledger (XRPL) stands as a beacon of innovation and efficiency. Whether you’re just dipping your toes into the world of digital assets or you’re a seasoned professional seeking a deeper understanding, this article is your gateway to unraveling the intricacies of XRPL.
XRP Ledger, often referred to simply as XRPL, is not just another cryptocurrency but a robust ecosystem with a mission to redefine the way we think about cross-border payments, smart contracts, and digital currencies.
What is Blockchain or DLT (Distributed Ledger Technology)?
Blockchain, also referred to as Distributed Ledger Technology , uses a decentralized network and cryptographic hashing to make the record of any digital asset visible and unalterable. These networks or ledgers are majorly classified into four different types: private Blockchains, public Blockchains, hybrid Blockchains, and consortium Blockchains.
Wish to create a career in Blockchain technology? Enroll yourself in Blockchain Councils’ Online Certification today, and jump-start your career in the Web3 and Blockchain domains!
Definition of XRP Ledger (XRPL)
You may have heard of Ripple , a payment network that uses XRP tokens to facilitate cross-border payments. But you may not know that Ripple is built on top of the XRP Ledger.
The XRP Ledger (XRPL) is a decentralized public Blockchain that allows for the fast, low-cost, real-time transfer of XRP, fiat currencies, and other digital assets. It is also open source, meaning anyone can participate in its development.
The XRP Ledger was created in 2012 by Ripple co-founder and CEO Chris Larsen. Initially, it was used to power the Ripple payment network, but it has since been adopted by other companies such as Coil and Omni to innovate upon diverse Web3 implications..
Historical Background
Origins of XRP Ledger
The XRP Ledger (XRPL) boasts a rich history that traces its origins back to the early days of cryptocurrency innovation. To truly understand this remarkable Blockchain technology, it’s essential to explore its genesis and the factors that led to its creation.
Genesis of XRP Ledger
In the late 2000s, a group of visionary minds set out on a mission to revolutionize the world of digital finance. Among them was Jed McCaleb, a prominent figure in the cryptocurrency community. McCaleb’s vision extended beyond Bitcoin’s pioneering Blockchain, and he aspired to create a digital asset that could facilitate swift, low-cost cross-border payments.
The Birth of XRPL
In pursuit of this ambitious goal, McCaleb, along with Arthur Britto and David Schwartz, founded Ripple Labs in 2012. This marked the inception of the XRP Ledger, the underlying technology powering the Ripple network. The XRPL was conceived as a robust and efficient ledger that could support not only the native digital asset, XRP but also serve as a global payment infrastructure.
Early Days of XRP Ledger
The early days of XRPL were marked by relentless development and innovation. Ripple Labs sought to address the inefficiencies and delays associated with traditional financial systems by introducing a decentralized ledger that could settle transactions in seconds. This marked a significant departure from the proof-of-work model used by Bitcoin, as XRPL utilized a unique consensus mechanism called the “XRP Ledger Consensus Protocol.”
Evolution Over Time
XRP vs. Ripple: Clarifying the Difference
Become a Blockchain Developer Today!
How does XRPL work?
XRP Ledger is a decentralized platform allowing for peer-to-peer asset transfer. A consensus algorithm validates connections on the network, which makes the network incredibly fast and secure.
But what’s in it for you?
It means you can use the Ledger and build upon it quickly and easily without opting for different third-party solutions for coding, hashing and compiling. You can develop dApps, and DeFi solutions, issue newer tokens and incite newer and faster modes of transactions..
Core Concepts of XRP Ledger
Ledger and Consensus
In the world of XRP Ledger, the term “ledger” takes on a whole new meaning. Unlike the ledger you might keep for your personal finances, the XRP Ledger is a decentralized, digital ledger that records all transactions involving XRP, the native cryptocurrency of this Blockchain. But what makes it truly special is its consensus mechanism.
Consensus here doesn’t involve reaching an agreement through discussions. Instead, the XRP Ledger relies on a unique consensus algorithm called the XRP Ledger Consensus Protocol. This protocol ensures that all participants in the network agree on the order and validity of transactions without the need for energy-consuming mining, like in Bitcoin.
In simple terms, when you send XRP to someone, the network’s validators work together to confirm and validate that transaction. This agreement happens every few seconds in what are known as “ledgers.” This rapid consensus process keeps the ledger secure and transactions blazingly fast.
Nodes and Validators
Nodes and validators are like the backbone of the XRP Ledger. Nodes are computers or servers that maintain a copy of the entire Blockchain and play a crucial role in keeping the network decentralized. Anyone can run a node, and it helps ensure that no single entity controls the ledger.
On the other hand, validators are a subset of nodes with an extra responsibility. Validators participate in the consensus process by examining transactions and agreeing on their validity. This prevents fraudulent or double-spending transactions. Validators are carefully chosen to maintain the network’s integrity.
XRP Tokens
Now, let’s dive into the heart of the XRP Ledger – XRP tokens. XRP is the native cryptocurrency, and it serves multiple purposes within the network.
First and foremost, XRP can be used as a digital asset for fast and low-cost cross-border payments. It’s the fuel that powers the XRP Ledger’s lightning-fast transactions.
But it doesn’t stop there. XRP also acts as a security measure, protecting the network from spam and malicious activity by requiring a small amount of XRP (a “transaction cost”) to be spent with each transaction. This discourages bad actors from flooding the network.
Consensus Mechanism
Ripple Protocol Consensus Algorithm (RPCA)
The Ripple Protocol Consensus Algorithm, or RPCA for short, is the beating heart of the XRP Ledger. It’s the mechanism that determines which transactions are valid and should be added to the ledger. Unlike the energy-intensive proof-of-work (PoW) mechanism used by Bitcoin, RPCA takes a more environmentally friendly approach.
In RPCA, the consensus process involves a group of servers, known as validators, working together to validate transactions. These validators don’t compete to solve complex mathematical puzzles like in PoW. Instead, they cooperate to agree on the order and validity of transactions. This collaborative approach not only consumes significantly less energy but also allows for faster transaction confirmation.
Achieving Transaction Agreement
Now, let’s take a closer look at how the XRP Ledger achieves transaction agreement, a fundamental aspect of any Blockchain system.
- Proposal Phase: When a user initiates a transaction, it creates a proposal that is then broadcasted to the network. This proposal contains the details of the transaction, including the sender, recipient, and amount.
- Validation: Validators on the network receive these proposals and begin the process of validation. They check the proposal against a set of rules to ensure it’s valid. These rules encompass various aspects, such as ensuring the sender has enough XRP to complete the transaction and preventing double-spending.
- Consensus: Validators communicate with each other to reach a consensus on the validity of the transaction. This involves a series of rounds where validators share their positions on the proposed transactions until they all agree on a specific set of transactions to be added to the ledger.
- Finalization: Once consensus is reached, the chosen transactions are finalized and added to the XRP Ledger. At this point, the ledger is updated, and the transactions become immutable.
The beauty of this process is its efficiency. Transactions on the XRP Ledger are confirmed in a matter of seconds, making it a preferred choice for real-time, cross-border payments.
Security Features
Security is paramount in the world of cryptocurrencies, and the XRP Ledger (XRPL) doesn’t disappoint. In this article, we’ll delve into the robust security features that make XRPL a trusted choice for digital asset transactions.
Encryption and Digital Signatures
Encryption: XRPL employs advanced encryption algorithms to secure transactions and protect sensitive data. When you initiate a transaction on XRPL, your information is shielded by strong cryptographic techniques, ensuring confidentiality.
Digital Signatures: Every transaction within XRPL is digitally signed using elliptic curve cryptography. This means that each transaction is uniquely authenticated, providing an extra layer of security. Even if someone intercepts a transaction, they won’t be able to alter it without the private key.
Protection Against Double Spending
XRPL’s ingenious consensus mechanism, the Ripple Protocol Consensus Algorithm (RPCA), is at the core of its protection against double spending. Here’s how it works:
Новости Ripple (XRP)
Новости рипл сегодня | Все о Ripple и криптовалюте XRP: курс, прогноз, аналитика, технический анализ, обзоры
XRP Ledger и его возможности. Часть1.
Как показал один из опросов, которые мы проводили в нашем Телеграм-канале, многие из наши читателей имеют смутное представление о том, что составляет основу криптовавалюты XRP и RippleNet — XRP Ledger, иначе XRPL, иначе реестр XRP. Пока все взоры сосредоточены на цене XRP и судебных перипетиях между Комиссией по ценным бумагам и биржам США и компанией Ripple, XRPL живет своей жизнью, полной интересных событий.
На XRPL уже выпущено тысячи токенов, таких, как Solodgenic (SOLO), LoXcoin (LOX), Elysian (ELS), Vagabond (VGB), проведено тысячи эирдропов, создано десятки приложений и проектов, самый известный из которых, конечно, является технология ODL (ликвидность по запросу) от компании Ripple.
XRP Ledger (XRPL) — это децентрализованный публичный блокчейн, с открытым исходным кодом, возглавляемый глобальным сообществом разработчиков. Он был создан в 2012 году и уже тогда на нем можно было выпускать другие токены! Для примера, концепция эфириума была создана Виталиком Бутериным в 2013, а запущена в 2015 году. Немного о создании XRP Ledger читайте тут.
XRP — это собственная криптовалюта XRP Ledger. Все учетные записи в XRP Ledger могут отправлять XRP между собой и должны содержать минимальную сумму XRP в качестве резерва. Сейчас он составляет 10 XRP, она необходима для активации кошелька, и вам уже не вернется. На биржах такого требования нет.
Что может XRP Ledger? Вот кратко основные функции, которые он может выполнять: