Crypto Researcher SMQKE recently published a detailed commentary explaining how the Ripple protocol is designed to serve as an invisible infrastructure for global value transfer, comparing its role to the Simple Mail Transfer Protocol (SMTP) in email communication. SMQKE’s post references a document that outlines Ripple’s technical and functional foundations, emphasizing its architecture, purpose, and long-term vision in transforming international finance. The central thesis of SMQKE’s tweet is that XRP will be used by people without their direct awareness, owing to the way Ripple’s protocol operates in the background. The document cited affirms this by stating, “customers of financial institutions do not need to know anything about Ripple or its protocol.” According to the analysis, the Ripple protocol is positioned to operate behind the scenes, enabling real-time, cross-border settlement without requiring end users to interact with or even understand the system, facilitating the transaction. A Universal Protocol for Value Transfer Ripple is described as a universal Internet protocol founded in 2012, aimed at facilitating fast and cost-efficient payments across borders. The document outlines that Ripple allows the transfer of any form of value, including fiat currencies, gold, digital assets, securities, commodities like barrels of oil, and even non-monetary units like hours of electricity and services. SMQKE highlights that this wide range of transferable value sets Ripple apart from traditional financial messaging systems. The SMTP Analogy and Background Functionality The document further asserts that Ripple’s technology operates similarly to SMTP, which allows different email platforms (such as Hotmail or Yahoo) to communicate regardless of the software in use. In the same fashion, Ripple enables disparate financial systems to interact and settle payments without relying on a centralized payment platform. SMQKE points to this analogy to demonstrate how Ripple is not meant to be visible to the user—it simply functions as the transport layer for financial value, just as SMTP is for email. Positioning XRP in the Financial Architecture According to the source, Ripple positions itself not as a payment system or a direct competitor to banks but as a backbone for a new financial architecture. It aims to offer banks and financial institutions a settlement layer that operates independently of the traditional correspondent banking framework. We are on twitter, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) July 15, 2023 Ripple Labs, the entity responsible for the protocol, has developed XRP as a native digital asset that can bridge any two currencies or assets, making it easier for institutions to settle obligations instantly and efficiently. An Invisible Engine for Institutions and End Users The network underpinning Ripple is decentralized and composed of servers powering the open-source protocol. The system can transfer virtual liabilities anywhere in the world in approximately six seconds. These liabilities represent fiat or digital currencies, tangible goods, or other value units. SMQKE emphasizes that XRP is uniquely suited for this role as it can serve as a liquidity bridge between assets, allowing seamless exchange without needing pre-funded accounts. Ripple’s design allows it to silently integrate into financial systems. Financial institutions can act as gateways for entering and exiting the network, while customers interacting with their banks or service providers remain unaware that Ripple is enabling their transactions. SMQKE sees this operational invisibility as a critical factor in Ripple’s ability to scale globally, allowing it to function as a foundational infrastructure layer without disrupting front-end user experiences. The conclusion from SMQKE’s commentary is clear: Ripple, through its protocol and XRP, is built to support a reimagined financial system where speed, interoperability, and decentralization are paramount. Its role is to provide the backend connectivity that empowers banks and institutions to transfer value quickly and reliably, without requiring consumer participation or knowledge of the underlying technology. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post XRP is positioned to serve as the invisible engine behind global value exchange appeared first on Times Tabloid .
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