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Cambodia cryptocurrency exchange. To the contrary, Ripple has repeatedly emphasised the functionality of XRP as a liquidity tool
and a settlement mechanism./INSERTKEYS According to
the authors, this is not fulfilled:. Following the creation of XRP in , Ripple
now uses the cryptocurrency to help financial institutions address remittance issues such
as liquidity problems, extended processing times and high transaction costs, the paper said.
The increased adoption of XRP as a medium of exchange and a form of payment in recent years, both by consumers and in the business-to-business setting, further underscores the utility of XRP as a
bona fide fiat substitute. INSERTKEYSWhether the XRP token constitutes a security in the sense
of US law has been preoccupying courts and crypto investors for over two years.
The paper also draws a comparison between the Ethereum Foundation and Ripple.
According to both authors, the absence of mining does
not fundamentally change how XRP is used or
how securities laws should be applied. While these
differences enable XRP