When the SWIFT code contains 11 characters, RIPPLE INTERNATIONAL LTD means that is a specific branch. If you want to know more about the SWIFT, BIC, IBAN, Routing Number and Sort Codes, be sure to read this article. Canada, I encourage you to read this Canada Money Transfer Guide.

THE ROYAL BANK OF SCOTLAND N. CDS CLEARING AND DEPOSITORY SERVICES INC. GESTION DE PLACEMENTS HELENE DION INC. Information: These are the current mid-market “official” rates. Sell rates will vary from these figures. We only recommend established companies which adhere to British law and segregate clients funds from theirs.

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O2Micro’s Intelligent Power products are a family of highly integrated, mixed signal ICs that provide power management for mobile applications, enabling longer battery operating life. LED drivers for backlighting supporting a wide variety of screen sizes. O2Micro’s Intelligent Power product family of highly integrated, mixed signal ICs provide power management solutions for mobile applications, enabling longer battery life. Each IC is designed to provide safe battery management. 1995 – 2018 O2Micro International Limited. The Ripple Maker is a wi-fi enabled countertop device that prints images on top of a variety of foam-topped drinks. How does the Ripple Maker work?


The Ripple Maker works by combining patented 3D printer mechanics with Inkjet printing technologies. Put your finished drink on the self-rising tray, scroll through the available designs, and tap to select. How long does it take to print an image? It takes just a few seconds to select and print each design.

Does the Ripple Maker make drinks? Ripple Maker simply makes foam-topped drinks picturesque. Make your guest’s beverage by your usual methods, and then place the glass on the Ripple Maker tray and select your design. Ripples will let you add the perfect finishing touch. Are there tricks to creating a drink ready for Ripples? Smooth, even foam, poured right to the brim of the glass, is the perfect canvas for Ripples.

Do I need to train my staff to use the machine? The Ripple Maker can be mastered in minutes. There is no need to set aside time for lengthy training sessions. But perfect foam with minimal or micro-bubbles is key. The Ripple Pod is a proprietary capsule filled with our patented coffee-based extract, that’s used to print each design. What does the Ripple Maker print with?

A single Ripple Pod will create approximately 500 prints. Ripple Pods are included with customer subscriptions and are re-supplied as per individual customer requirements. Will the Ripple Maker change the taste of my drink? Because each print is created from a minuscule amount of coffee extract, there is no effect on the quality or flavor of the beverage being enjoyed. Try matcha green tea, or a gin flip!

Are Ripple Pods available in different colors? Only our specially developed coffee extract can be used to ensure food-safe, high-quality prints. Does the extract have any gluten or other allergens? Yes, the Ripple Pods and coffee extract are certified kosher.

How many prints can you make with on Ripple Pod? I’m low on Ripple Pods – how do I get more? Ripple Pods aren’t sold individually, they’re included as part of your subscription. Our team tracks yoru machine’s status and will autmoatically ship you a new Ripple Pod before it’s needed. Ripple Pods should be kept at regular room temperature, and not in the refrigerator.

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How regularly do Ripple Makers need servicing and who does it? Ripple Makers do not require regularly scheduled maintenance, you just need to wipe down the drip tray at the end of each day. The Ripples Customer Success team is available by phone or email for any technical support questions. Is there a patent on the Ripple Maker and Ripples?

Steam CC has been granted patents and trademarks on Ripples technology. Additional patents and trademarks are pending. How does the Ripple Maker receive images? Ripple Creative regularly creates and updates the designs available on the Ripple Maker. Your team gets access to a web portal where you can upload and  control images on your Ripple Maker.

Talk to us about integrating Ripples technology with your company’s own app. What are the design guidelines for Ripples? Designs for Ripples are 1700 x 1700 pixels, 600 dpi, and high-contrast with bold lines. What are the features of the Coffee Ripples app? Plus, it gives you the ability to find shops with Ripple Makers near you.

How can my staff screen customer-provided images? Images sent by guests are sent to a special queue on the Ripple Maker screen. Your staff will have the chance to see and approve each image before they print the design. Who can purchase a Ripple Maker? The Ripple Maker is available for businesses that sell or serve drinks as a course of their every day business. It must be staff operated in a stationary location. Can I purchase a Ripple Maker for use in my home?

For now, the Ripple Maker is only available for businesses, and is designed for use by a barista, bartender, or other drinks professional. Is the Ripple Maker covered by a warranty? Yes, all of our machines are covered by a one-year warranty, or as required by law. Can I order a Ripple Maker for use on a trial basis? Due to a high volume of orders, we are not offering product trials. Email our sales team and we’ll be happy to answer any questions you have.

Can I rent a Ripple Maker for use at an event? The Ripple Maker is available for events. Our team will partner with you to wow your guests with custom content, right on their drinks. Our customers that charge their customers for adding Ripples to their drink, report full ROI in only 3-5 months. Customers who utilize Ripples as part of their Customer Experience program say that for the minimal cost that the Ripples platform entails, it represents the highest ROI of their program.

The Ripple Maker is made by Steam CC, a privately held, venture-backed company. The principal technology has been in development since 2007. The Ripples brand was established when we got seed funding in 2014. Ripples is headquartered in Petach Tikva, Israel, just outside of Tel Aviv. What is the connection between Ripples and Steam CC? Steam CC Ltd is the parent company of the Ripples brand and Ripples Inc.

When was the Ripple Maker launched? The Ripple Maker had its debut at CE Week in NYC in June 2015. Beta customers received their Ripple Makers that October. The product won the Last Gadget Standing award at the show. Where is the Ripple Maker manufactured? The Ripple Maker device is manufactured by a Dutch company in a state-of-the-art manufacturing facility in China.

Ripple Pods and its Patented Coffee Extract are manufactured in Israel. We are always on the lookout for top talent. Bloomberg Connecting decision makers to a dynamic network of information, people and ideas, Bloomberg quickly and accurately delivers business and financial information, news and insight around the world. Before it’s here, it’s on the Bloomberg Terminal. Connecting decision makers to a dynamic network of information, people and ideas, Bloomberg quickly and accurately delivers business and financial information, news and insight around the world.

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As Co-operative Energy hikes prices by 5. Is ANOTHER interest rate U-turn on cards? PROPERTY CLINIC: How long do I need to own a property as my home before letting it to avoid extra stamp duty? Many will be asking: can an alternative cryptocurrency boom in 2018? In the last few months, the number of Britons getting involved in speculative cryptocurrency ‘investing’ has rocketed with bitcoin being the star attraction. This is despite warnings of a bubble and many not truly understanding how the digital currency works.

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11,800 a coin after a dive this morning. The second main cryptocurrency, ethereum, is new compared to bitcoin. Bitcoin launched in 2009 while ethererum only arrived in 2015. Cryptocurrencies have been a hot topic and many may feel like they’ve missed the bitcoin and ethereum bandwagon. As such, they may be asking: what’s the next crypto bandwagon they can jump on? There is little doubt that some of these alt-coins, such as ripple and litecoin, have probably popped up in recent conversation about digital currencies.

But what are the alternatives and are they stable and credible? We asked cryptocurrency exchange London Block Exchange to give us the key points on some of the main alternatives. This is Money would also like to add that this is not an endorsement of any of the digital currencies and because of the volatile nature, we urge you to read the fact box below. Furthermore, it is imperative to do more research if you’re thinking of parting with your cash.

Below is a taster of each digital alternative – but each one is complex in its own right. When stalwart US investor Warren Buffett says the bitcoin craze is going to end in tears, it’s worth doing as much research as possible if you are tempted in. Remember bitcoin yields nothing and its main source of value is scarcity. Most bitcoin activity is trading not investing. Research coin wallets, the digital vaults where cryptocurrency is held, and consider security carefully.

Bitcoins have been stolen before, understand how this happened. The price can move by 20 per cent in one day and you could easily lose half of your cash in a far quicker time that investing in the stock market. Consider how you would cash in any gains. There are reports that this has proved hard for some people. A time of market stress could lead to people being locked in and unable to trade. Read our guide to How to be a successful investor, which looks at the far less high octane world of long-term investing and how to make it a success. Firstly, let’s start with the bitcoin basics.

The digital currency that most will be familiar with is free from government interference and can be shared instantly online. It doesn’t rely on trusting one central monetary authority. The underlying technology is blockchain, a financial ledger maintained by a network of computers that can track the movement of any asset without the need for a central regulator. Since then, it has nearly halved in value and it may mean that many who invested in December could have been badly burnt. Ripple works as a decentralised payments network. However, unlike other cryptocurrencies, it works largely to enhance traditional financial systems. Its unit of cryptocurrency is called XRP – and its purpose is to bring speed, transparency and security to conventional financial processes.

Unlike other cryptocurrencies, Ripple doesn’t need to be mined – it can only be bought from exchanges. 40 in mid-January, so has more than halved in value since. 25 a coin, meaning some may have already vastly profited from XRP. Many people are unaware that litecoin originally served as a modification of the core bitcoin protocol – it’s a cryptocurrency that can generate more blocks in less time, and handle a higher volume of transactions than bitcoin. It allows quicker transaction confirmation – if bitcoin takes ten minutes to generate a block, litecoin can do it in two-and-a-half minutes. Rewards for mining bitcoin are halved every time a further 210,000 blocks are mined. This is to slow down the mining of bitcoin, which has a finite supply.

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Litecoin rewards are also halved periodically, but only after every 840,000 blocks. While bitcoin is capped at 21million, litecoin is capped at 84million – significantly higher than bitcoin, however not as much as ether at 98million and growing. 99 a coin, meaning it surged in that two week period and highlights the volatile nature of these currencies. Like litecoin, dash was originally developed to improve upon the weakness of the bitcoin network. Created as XCoin, the project then changed its name to darkcoin before finding its current identity of dash, representing ‘digital cash. The developers of dash created the world’s first self-funding and self-governed blockchain protocol, a peer-to-peer cryptocurrency that uses a two-tier developer network, rather than a single-tier one where all tasks are completed by miners.

This has been achieved through an incentive-based system. As a result, a number of high-tech features have been added to dash by their developers. Masternode operators get 45 per cent of the reward for every dash block that is mined. Bitcoin cash was created by ‘forking’ the original bitcoin protocol in 2017, which enabled more transactions to be processed and to increase the size of the blocks available. This means old applications will not function with the new blockchain, which has an increased block size – meaning the verification and block confirmation process is sped up. This means that the chances of finding a new block are updated once per day. Bitcoin’s difficulty is adjusted every 2016 blocks, or approximately every fortnight.

1,950 a coin, which is huge considering it only forked from original bitcoin in the summer. Like bitcoin, monero enables a direct digital exchange of value between two parties, however, unlike bitcoin, monero transactions are completely private. Have you invested in any digital currencies – and if so, let us know your stories below. Because each unit of value is ‘fungible’ or interchangeable, monero overcomes the concern that tracked or ‘coloured’ coins might restrict the usability of a blockchain currency. The supply of monero will be infinite, with block rewards smoothly decreasing until 2022 when a minimum coin creation rate of 18 XMR per hour will be maintained.

Last week, it was claimed that North Korea is taking an interest in monero. Allegedly, evidence was found of malware that took over a person’s computer and mined it. This was then sent back to Kim Il Sung University in Pyongyang. Iota is a cryptocurrency designed for the ‘Internet of Things’, hence the acronym. Rather than using a blockchain ledger like bitcoin, iota uses a system called ‘The Tangle’ which aims to solve the transaction fees and scalability concerns presented by bitcoin. This will be achieved by asking the sender to create and verify a transaction at once, which removes dependency on miners and ensures the system is completely decentralised. In addition, while bitcoin speed decreases as the number of users increase, Iota’s speed increases as the number of users increase.

35 at the start of November. Smart Asset System – this aims to power the blockchain economy by offering a range of secure and tested features. Ultimately, this means building blockchain software is simpler for developers who use the Nem network, because of its structured tools for app development and flexibility. Nem introduced the concept algorithm called ‘Proof of Importance’ for coin issuance, which works in a similar way to ‘Proof of Stake’, saving energy and being more scalable than the traditional ‘Proof of Work’ algorithm. Rather than mining, Nem users can create coins on the network by acting as a public node and ‘harvesting’ rewards from block creation and collecting fees from the processed transactions. 14 a coin – roughly 20 per cent of its peak registered at the start of January. Has England’s World Cup run really boosted the economy?

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Could these new bond funds protect your portfolio from interest rate rises? Is it worth paying a premium – and which trusts have the biggest mark-ups? What is an investment trust and why would you want to put your savings into one? Would you like an expert’s help with your investments and savings? INVESTMENT EXTRA: Would you take a bet on a boom in Kuwait or other very risky fast-growing nations? Another robo-adviser enters the fray: Tiller lets you invest in passive AND active funds – so how does it compare?



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Find out how much a regular monthly savings scheme could make me. Calculate how much a lump sum investment could be worth. The network can operate without the Ripple company. Among its validators are companies, internet service providers, and the Massachusetts Institute of Technology.

As of early June 2018, XRP is the third largest coin by market capitalization. The Ripple protocol enables the instant and direct transfer of money between two parties. Since 2013, the protocol has been adopted by an increasing number of financial institutions to ” an alternative remittance option” to consumers. In February 2015, Fidor Bank announced they would be using the Ripple protocol to implement a new real-time international money transfer network, and in late April 2015, it was announced that Western Union was planning to “experiment” with Ripple.

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On August 19, 2016, SBI Ripple Asia announced the creation of a Japanese consortium of banks in a new network that will use Ripple’s technology for payments and settlement. The consortium was officially launched on October 25, 2016 with 42 member banks. On September 23, 2016, Ripple announced the creation of the first interbank group for global payments based on distributed financial technology. The protocol allows banks and non-bank financial services companies to incorporate the Ripple protocol into their own systems, and therefore allow their customers to use the service. For XRP-denominated transactions Ripple can make use of its internal ledger, while for payments denominated in other assets, the Ripple ledger only records the amounts owed, with assets represented as debt obligations. A gateway is any person or organization that enables users to put money into and take money out of Ripple’s liquidity pool.

A gateway accepts currency deposits from users and issues balances into Ripple’s distributed ledger. Furthermore, gateways redeem ledger balances against the deposits they hold when currency is withdrawn. Ripple gateway that holds their deposit. This manual creation of a trustline indicates to the Ripple network that the user is comfortable with the gateway’s counterparty risk. Furthermore, the user must put a quantitative limit on this trust and create a similar limit for each currency on deposit at that gateway. Similar to reasons during the Free Banking Era in the United States, the value of a currency can vary significantly depending on a gateway’s creditworthiness.

Ripple relies on a common shared ledger, which is a distributed database storing information about all Ripple accounts. In early 2014, a rival company called the Stellar Foundation experienced a network crash. Ripple allows users or businesses to conduct cross-currency transactions in 3 to 5 seconds. All accounts and transactions are cryptographically secure and algorithmically verified. The bitcoin bridge is a link between the Ripple and bitcoin ecosystems. The bridge makes it possible to pay any bitcoin user straight from a Ripple account without ever needing to hold any of the digital currency. Additionally, any merchant accepting bitcoins has the potential to accept any currency in the world.

For example, a Ripple user may prefer to keep money in USD and not own bitcoins. A merchant, however, may desire payment in bitcoin. While transaction information on the ledger is public, payment information is not. It’s thus difficult for anyone to associate transaction information with any specific user or corporation. Any user on Ripple can act as a market maker by offering an arbitrage service such as providing market liquidity, intra-gateway currency conversion, rippling, etc. Market makers can also be hedge funds or currency trading desks. Ripple can be used to trade or convert currencies, to send money in one currency and the recipient to receive it in another currency.

For example, a user can pay with USD and the recipient can choose to receive the money in another currency, including bitcoins and XRP. Ripple Labs built the protocol to be friendly to the developer community, and resulting features include an API for its payment network, based on the popular REST API standard. XRP is a decentralized digital asset and settles payments in 3-4 seconds which is considerably faster than Bitcoin. 50,000 transactions per second, as of July 15, 2017. The current minimum transaction cost required by the network for a standard transaction is 0.

00001 XRP, which is considerably less than Bitcoin. XRP exists natively within the Ripple protocol as a counterparty-free currency, as Bitcoin does on the Blockchain. Because XRP is an asset, as opposed to a redeemable balance, it does not require that users trust any specific financial institution to trade or exchange it. XRP is the native currency of the Ripple network. XRP are currently divisible to 6 decimal places, and the smallest unit is called a drop with 1 million drops equaling 1 XRP. There were 100 billion XRP created at Ripple’s inception, with no more allowed to be created according to the protocol’s rules. Cryptocurrency market capitalizations as of 27 January 2018, in billions of US dollars, with Ripple at top right.