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Ripple is a real-time gross settlement (RTGS) system, foreign exchange and remittance network developed by Ripple. Also called the Ripple Transaction Protocol (RTXP) or Ripple, it is built on an open distributed Internet protocol, a consensus ledger, and a native currency called XRP (ripples). Launched in 2012, Ripple aims to enable “secure, instant and nearly free global transactions of any size with no rejections”. It supports tokens representing fiat currency, cryptocurrency, commodity or any other unit of value such as flight miles or mobile phone minutes. At its core, Ripple is based on a shared public database, which uses a consensus process that allows payments, exchanges and remittances in a distributed process.
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