Has 2020 Really Been a Bad Year for Bitcoin Amid Global Economic Turmoil?

“It’s been a disappointing year for Bitcoin,” writes Bloomberg editor, Joe Weisenthal in his Monday newsletter.

2020 continues to be a tragic year, the world struggling with the coronavirus pandemic, its economic impact, and protests worldwide. In March, COVID-19 triggered a sell-off in the global markets as investors sought the safety of cash.

Bitcoin wasn’t immune to that sell-off either and crashed as low as $3,800 on the majority of crypto exchange and $3,600 on BitMEX. But since then, the leading cryptocurrency has recovered over 135%.

But Weisenthal argues that bitcoin is making a general trend of lower highs. “Despite the extraordinary market volatility, it hasn’t surged to new heights,” he said. And this question if an economic crisis can really be a boom for bitcoin.

He also points out how bitcoin has been basically following the S&P 500 throughout this period of volatility. During the March sell-off, bitcoin’s correction with equities jumped to all-time high. Although it dwindled since then, Federal Reserve Chairman Jerome Powell’s remarks yet again fueled this correlation.

So, does it really provide diversification to a portfolio, further questions the editor. According to analyst Mati Greenspan, the correlation will only increase from here because,

“the more big money is involved, the more managers of large portfolios will see it within the context of the traditional markets and use it as a tool to hedge their investments.”

What happened to “digital gold” and “halving” narratives?

Moreover, the “extraordinary” expansion of the Fed’s balance sheet hasn’t led to inflation or currency collapse as many bitcoiners predicted so what would exactly “catalyze a Bitcoin boom?”

Historically, halving has led the bitcoin rallies but this time it “went without much impact,” said Weisenthal.

He further questions bitcoin’s “digital gold’ argument which is supposed to separate it from other cryptos in a crisis but bitcoin moved roughly in line with Ethereum this year and “did not exhibit any special safe haven properties.”

But even if we look at gold’s performance during this period, it also experienced a massive sell-off along with bitcoin and other asset deposits being a traditional safe haven asset and continues to move up and down.

Millennials ditching bitcoin?

Now, it looks like millennials have found the alternative to cryptocurrencies and getting “their thrills elsewhere.” Locked in their homes during the pandemic with stimulus money and the internet at their disposal, they have discovered the stock market via platforms like Robinhood. He said,

“To the degree that people were putting money into Bitcoin because they liked volatility and action, there’s a new competitor on the block for those dollars.”

And the competitors are bankrupt companies. In the past few weeks, these young people have taken to invest in stocks of companies filing for bankruptcy, one of which (Hertz) has gotten permission to issue its worthless stocks.

Weisenthal believes the “crisis may yet be good for Bitcoin,” but only if “we get infringements on privacy that create new demand for payments that can’t be blocked.”

The narratives may get debunked but market participants aren’t really bothered about bitcoin’s bullishness in the long term as demand for the world’s leading cryptocurrency only continues higher while its supply is limited.

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Author: AnTy

Two Top Cryptocurrencies with the Worst Serial Market Performance

After the crypto winter of 2018, digital assets started recovering last year and continued the behavior into 2020.

Although still far from their all-time highs, the top cryptocurrencies have made a major recovery from their lows.

However, there are a few top cryptos that are still struggling and experiencing the worst performance. XRP and EOS are the top two cryptocurrencies that aren’t doing well. Both XRP and EOS have lost the most against BTC in 2020 so far.

The third-largest cryptocurrency dropped to a new low last month which has the digital asset to lose its position to Tether (USDT) at times. XRP/USD is currently trading at $0.20, up only 5% YTD but down almost 20% against BTC.

Source: TradingView – XRP’s 1-year price performance

In the past seven days, it recorded 7.32% losses, the biggest loser among the top 65 cryptos. In the past year as well, XRP didn’t fare well with 54% losses but several crypto joined the digital asset in these losses such as Bitcoin Cash (43%), Litecoin (59%), BNB (47%), XLM (40%), Tron (56%) and others.

XRP is also down a whopping 94.82% from its all-time hit in January 2018.

Amidst the poor price performance, the liquidity of XRP/MXN on Bitso rose to a new record of 37 million on May 31, as per Liquidity Index Bot. Similarly, a new all-time high of 15.6 million was tracked on the Australian payment corridor XRP/AUD.

Recently, Towo Labs, founded in 2019 to focus on developing the infrastructure for XRP Ledger (XRPL) and Interledger protocol released the XRP Toolkit V2. Using this Toolkit, trading orders can be executed on decentralized exchanges, XRP escrows can be created, and a connection to the XUMM wallet can be established.

Moreover, one of the amendments to XRP Ledger, Checks that was introduced in February 2018 with the 0.9.0 release may now become a reality that a UNL validator has removed a veto. This amendment is similar to paper checks and works with both XRP and any other issued currency on the XRPL.

A compliance move, it will let users exchange funds asynchronously and know the source of funds received.

EOS is another cryptocurrency not performing well, down 88% from its peak. Currently, EOS/USD is trading at $2.6, up 0.94% but down 23% against BTC.

The price of EOS, the record-breaking ICO of $4.2 billion, is now only down over 5% in the past month but also in the past year by 66%, the biggest loser among the top 40 cryptos.

Source: TradingView – EOS’s 1-year price performance

Yesterday marked the second anniversary of EOS mainnet going live.

“Happy 2nd Birthday EOS. I’m humbled and thankful to be a part of this talented global community that underpins the most performant and aligned public blockchain in the world. This year is going to be the best yet,” celebrated Brendan Blumer, CEO of Block.one, the company behind EOS.

Reportedly, Multicoin Capital that invested in EOS and shared in its thesis at that time that “decentralization requires tradeoffs in both economics and performance” has now gotten out of its position because “the governance process didn’t work.”

“I honestly have no idea what’s been happening with eos over the past year but thought they were still backing it. Still in the top 10 but going to drop out soon,” said analyst Ceteris Paribus.

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Author: AnTy

Crypto Exchange Bitfinex Adds Tezos Staking Service; XTZ Joins EOS, ATOM, and TRX

Staking services have seen a surge in popularity over the past year, which is evident from the fact that major crypto exchanges around the globe have added new staking services for different Proof-of-Stake tokens.

Tezos, one of the popular staking crypto asset has seen a huge demand in the staking ecosystem, and Bitfinex has become the latest exchange to add a staking service for the altcoin.

Bitfinex entered into the staking game in April this year where it added three tokens namely EOS, V.Systems, and Cosmos (ATOM) for staking, promising timely rewards payout as high as 10% for customers who would hold these tokens on the exchange. At the time of launch, the exchange has promised to add Tezos staking in May.

How Does Staking Service Work?

For Proof-of-Stake mining, the network participants are required to stake their asset on the network to gain a governing vote and have a say in important network decisions.

This works similarly to generating interest in your hedged funds in banks. However, due to regulatory hurdles exchanges prefer it to call as staking.

A user can lock their digital asset based on the staking service time period offered by a different exchange which might range from months to years. These stake periods carry incremental interest rates depending on how long you choose to lock your assets for.

Once you decide to stake your tokens, they would be locked in a smart contract for a certain period of time and at the end of the maturity period, users would receive their tokens along with the interest offered by the exchange.

The demand for these staking services has skyrocketed in recent times, with the number of major exchanges venturing in the field grows exponentially. Bitfinex being the more recent entrant, due to high customer demand.

The California-based Coinbase embraced the staking game as early as November 2019, when it added Tezos’ staking services to its portfolio. The staking services listing also led to a 70% price rally for the altcoin on the platform.

Kraken followed in the footsteps of Coinbase and introduced staking in December 2019, offering a 6% annual staking reward. Binance.US also listed staking services for Tezos back in April this year while its parent company – Binance Global – added the staking services back in September 2019.

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Author: James W

PBoC’s Fintech Innovation Regulations Pilot Program Extends to Six More Districts

The new Fintech Innovation Regulations implemented last year by the Bank of China (BoC) in a Beijing Pilot program will be extended to six more districts, with hopes of benefiting the real economy amidst global Covid-19 concerns. The decision is aligned with China’s 3-year Fintech Development Plan unveiled last year by the BoC.

After releasing the new Fintech Innovation regulations last year, the Bank of China (BoC) opted for a pilot program approach that was unveiled in Beijing. On April 27th this year they have stated their intention to extend the regulatory programs to six of China’s districts.

The extension will involve the districts of: Chongqing, Suzhou Hangzhou, Hebei Xiong’an New District, Shenzhen and Shanghai in an attempt to bolster financial systems. Ultimately, the extension aims to boost the economies of these districts struggling under the present circumstances.

They have reiterated their intentions to help SMEs mitigate financial downsides amidst the global Covid-19 pandemic.

“We are aiming to amid the pandemic situation and help enterprises to resume work and production.”

China’s Huge Appetite for Fintech Products.

The main objective of these Fintech innovation regulations is to uphold their citizens’ consumer rights. Notably, China has a colossal population with a voracious appetite for Fintech products and consumer goods.

The intentions of the BoC were made clear last year in October when they launched a certification program for Fintech products. The system was set to cover all possible angles on Chinese payment systems including point-of-sale mobile terminals, embedded application software, user front-end software, and security carriers and chips.

The fintech innovation regulations are a major cog in China’s mega plan to further foster growth in their Fintech realm.

During a conference held last year where the Fintech Development Plan (2019-2021) was discussed at length, whose scope of touched on the plans for the Fintech sector touching on guidance ideology, basic principles, development targets, key missions and guarantee mechanisms between the three-year period.

The bank has set a three-year timer to achieve one of their main objectives which are solidifying Fintech regulations which would entail coming up with a framework for implementing the regulations. According to the outline from the Bank, China ought to have come up with framework dubbed ‘the four beams and eight pillars’ of their Fintech Development.

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Author: Lujan Odera

Grayscale’s Ethereum Trust (ETHE) Is Trading at a Remarkable 430% Premium, But Soon to Fade

Over the past year, we saw the premium on digital asset manager Grayscale Investments’ Bitcoin and Ethereum contracts skyrocketing. And just like those numerous other times, this time as well, the premium on Ether products has jumped as high as 430%.

Currently, the price of Ether on spot exchanges is around $170 while Grayscale’s Ethereum Trust (ETHE) is trading at $900.

In comparison, the premium on Grayscale’s Bitcoin product (GBTC) is small at nearly 9% which could be because of the “mismatch of supply and demand” in Ether AUM.

On Grayscale, the basic requirements to buy Ether are that one needs to be an accredited investor with a minimum order of $25,000 for a one-year lockup period.

For the first time, the firm reported ETHE inflows separately in its stellar quarterly report, showing that $50 million will be unlocked from the end of July-July, $75 million by the end of October, and $100 million by the end of 2020.

“In one month period June/July 2020 we’ll see $44.5M/$6M = 7.4x the current NAV of the float being unlocked. Second half of 2020 we’ll see 15x current float being unlocked,” stated analyst Cetris Paribus.

According to him, the ongoing high premium on Ether should be down “substantially” by September, unless there is a euphoric bull run.

Hedge funds are not institutional investors

As we reported, in Q1 of 2020, Grayscale had record inflows. ETHE also had its record quarter ever with $8.5 million inflows in 1Q20 and $4.0 million in the past 12-months.

As per the company report, the majority of the investment in Grayscale’s products came from intestinal investors at 88%, which were dominated by hedge funds.

However, not everyone agrees with their definition of hedge funds which may be keeping too close to Wikipedia.

Source: @jdorman81

Jeff Dorman, CIO of Arca, a crypto investment management firm pointed out that the terminology “institutional investors” used for hedge funds is “misleading” and this is not about their interest rather just arbitrage.

“Hedge funds are not institutional investors. They are professional money managers. Inst inv’s are pensions, family offices, sov wealth funds, endowments. A bunch of hedge funds buying grayscale products shows that there is an arb, not interest,” said Dorman.

“Before GBTC stopped reporting it, they would habitually report 70-80% of inflows being “in-kind”, as in, spot BTC being converted into shares. strong evidence of arb rather than fresh long-term capital being deployed,” shared Nic Carter of Coin Metrics.

However, Grayscale is “great,” cleared Dorman while explaining that the fact is hedge funds don’t need GBTC or ETHE in order to get exposure. He said,

“If they want exposure, their mandates are flexible & they will buy spot/futures, which are liquid. A HF will find a way to buy any asset they want. They are only buying grayscale products for the arb.”

With the one-year holding period of some of the shares coming up, the premium is expected to correct down by a good percentage.

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Author: AnTy

Bitcoin Miner Maker Canaan Has Been a ‘Disaster’ Since Its IPO; CAN Price Down 64%

Nasdaq-listed Bitcoin mining equipment maker, Canaan (CAN) had its IPO in November last year. At that time, it was trading at $8.9 and since then, it lost about 64% of its value and is currently down at $3.20.

From March 16, $CAN has been trading below $3 going to its lowest at $2.81 on March 17, a few days after the Bitcoin price crashed. In comparison, during this time, bitcoin has been down only 7.7%, currently trading around $6,900.

“Pick-and-shovel play not really going as planned. CAN has been a disaster since IPO,” said analyst with pseudonym Ceteris Paribus.

Source: TradingView

Loss in 4Q19 but more incoming in 2020

On Thursday, the China-based company also released its unaudited earnings report. Canaan sold a total of 10.5 EH/s computing power, contributing 20% to the Bitcoin network’s computing power last year. The firm reported a net loss of $114.7 million in Q4 of 2019 and $148 million for 2019. This has been half of the company’s revenue generated in 2018.

In an earnings call on Thursday, Nangeng Zhang, founder and CEO of Canaan said the firm recorded an uptick in sales in October and November but a “considerable drop” in December. The report states,

“As a result of the impact of the COVID-19 outbreak, a widespread health crisis that adversely affected general commercial activities, the economies, financial markets, as well as the cryptocurrency market activities, we have lowered our expectations for business in the year of 2020.”

“For the first quarter of 2020, the Company expects total revenues not less than RMB60 million [$8.5 million].”

The report also mentioned the increasing ratio of the “cost of revenues” — that includes the cost of raw material, production, logistics, investories, and write-downs of prepayments — for the sale of its bitcoin mining equipment over the past years, which contributed to dropping profitability.

The cost of revenues could also be increased due to the jump in the price of chip technology, such as Avalon’s latest chip costs over 25% more than its previous version and over 110% more than the previous one.

Amidst these losses, Canaan is also hit with a lawsuit by an investor who accused the company of making misleading information and violating US securities laws. The class-action lawsuit has a deadline of May 4, 2020.

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Author: AnTy

Bitmain’s Founder Jihan Wu’s Crypto Startup Seeks $40M at $300M Valuation, A 3x Increase

Bitmain’s spin-off offering crypto trading solutions that was created an year ago is seeking to be valued at $300 million after its latest funding round, CoinDesk reports.

Matrixport which was started by Jihan Wu, Bitmain’s co-founder, is expecting to raise $40 million in its upcoming funding round which will see the firm’s value shoot to $300 million.

The startup reported a revenue of between $7 to $8 million last year and forecasts that this figure will be doubled before the end of this year. Bloomberg reports that the details about the firm’s financial performance and status was sent to investors in the form of a slide deck. The deck reveals that after the previous funding round, Matrixport saw its valuation stand at $114 million.

The firm which operates from Singapore is seeking funds to expand its cryptocurrency financial services solutions to serve the professional crypto traders and investors. The startup was hived from Bitmain last year at a time when the biggest developer of Bitcoin mining equipment sought to become a public trading company and was struggling with finances.

Matrixport provides crypto trading services solutions like custodial services, trading, payment products as well as services and loans to institutional customers, encompassing mining equipment suppliers, crypto lending firms, crypto exchange platforms, mining pools, as well as crypto funds.

The startup competes with American-based companies Genesis Global as well as BitGo. Other than Bitmain, Matrixport also has strategic partnership agreements with BTC.com, BITDEER, Antpool and CoinEX. The firm’s main shareholders are Wu Jihan and Bitmain.

The firm claims that it has more than $500 million of crypto assets within its custody. The firm has also generated about $100 million in terms of outstanding loans. When it comes to crypto trades, it has processed more than $500,000 since its inception last year. Most of the firm’s clients are miners and, as a result, it provides different risk management solutions to miners through derivatives contracts as well as structured products.

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Author: Joseph Kibe

CEO Brad Garlinghouse Compares Ripple To The Earliest Days of Amazon

2019 was “an incredible” year for Ripple, says CEO Brad Garlinghouse in an interview with Julia Chatterley of CNN. The year he said saw the shift from speculation that has “driven the crypto market” to a utility like solving problems.

In 2020, they are building the momentum which brings in more customers and more liquidity. This year will be pivotal because of the regulatory clarity which Garlinghouse said will help “catapult the whole industry.”

He talked about how in Davos during the World Economic Forum, he was meeting with regulators and banks and explained to them how crypto but specifically XRP can be used to solve a real problem without circumventing regulation or government.

Ripple is also in discussion with the regulators over the nature of XRP. He didn’t provide any details but said they’ll continue to engage with them and “had very constructive conversations with regulators here in the United States.”

Shifting the Focus to On-Demand Liquidity

Ripple’s focus is certainly on its On-Demand Liquidity Solution which Garlinghouse said processed $54 million using XRP from the US to Mexico in a week. This has been 7.5% of all US-Mexico flows, which has been a substantial increase from about 3% in December.

“Liquidity begets liquidity” and the more activity you see, the more follows. The largest digital asset exchange of Mexico, Bitso is using XRP through which “instead of being dependent upon the speculative trading of crypto,” it represents institutional flows.

And these $54 million flowing through Bitso is a big deal for their business which Ripple CEO said, “brings other players.”

However, it just one corridor. There is already “a lot of demand” and Ripple is “prioritizing new corridors,” so they’ll be expanding in other corridors while seeing the liquidity grow naturally.

But the regulatory clarity is of importance here. And that’s the reason India isn’t high on their list, he said. This is what Garlinghouse also shared at the Davos with the regulators that they are not circumventing KYC, customer check, or anti-money laundering checks which gets them “very comfortable very quickly.” Garlinghouse added,

“I think a lot of countries around the world see that this is a technical wave, this is a major step and they want to invest in it. They want to see companies continue to invest and I think that’s good for the economy.”

XRP or the Fed Coin?

The regulatory clarity has also been because of the central banks taking a step towards creating their own digital currencies.

This according to Garlinghouse is “healthy and constructive for the entire crypto community.” It makes sense because even at the Fed window, it isn’t giving a crate of dollars rather a digitized centralized ledger entry, so there isn’t any difference.

However, in most of Europe and the US, for the central bank to go directly to the customers and circumvent commercial banks “doesn’t make a lot of sense,” he explained.

So, could it mean Ripple will substitute XRP for a Fed coin one day? Garlinghouse is open to that but says there still be a cross-border settlement dynamic and it doesn’t “change the need for a cross-border neutral like an XRP which has been extremely efficient.”

This means, there won’t be “one winner in the crypto space,” rather “a lot of different participants solving different segments of problems.”

“There’s going to be other digital assets that increasingly have utility for customers and therefore drive velocity” and demand.

Is an IPO Really Coming?

Ripple is one of the most valued companies in the crypto space at $10 billion valuation but given that Garlinghouse talked about an IPO earlier this year, what could be the reason with Ripple already having a “very strong balance sheet,. Garlinghouse did try to deflect with,

“I don’t think I’ve said go public I think what I said was 2020 will likely have crypto kind of blockchain IPOs (…) I don’t think ripple will be the first but we certainly don’t to be the last so I kind of kept it open.”

However, he shared that IPO would mean more flexibility for the company which would give them the “strength to do new things,” and grow business like they did last year by adding 100 new employees while other companies in the space had layoffs.

The Shift from Amazon Books to Amazon

Gallinghouse also shared Ripple’s long term goal of becoming Amazon as he explained, “in the earliest days of Amazon it’s called the Amazon books. As a bookseller it competed with Barnes & Noble and with the hoarders.”

Ripple he said is viewed today as a cross-border payments company but sees themselves as a blockchain infrastructure company. Cross-border payments he said are just the first vertical and “we want to make sure we’re winning in cross-border payments before we do another vertical.”

In the next five years, Ripple will “continue to grow and take market share” and “we’re not just Amazon books but we are Amazon,” said Garlinghouse.

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Author: AnTy

Analyst Says Tezos Could ‘Get Pretty Ugly’ While XTZ Shorts Climb To An All-Time High

  • XTZ up 778% in the past year, surging to a new high of $3.40
  • Baking and stable protocol pushing the prices up but more people entering the market creating a “snowball effect”
  • Baked XTZ has no lock-up period and shorts are climbing to ATH, so a reversal expected that has the potential to get ugly

Tezos has been a hot cryptocurrency since last year where it jumped 778%. So far in 2020, we are up 140% leaving bitcoin’s gains in the dust.

Today has turned out to be yet another amazing day for XTZ as the digital asset jumps over 20%, making a new high at $3.40. In the past month, XTZ surged 94% against BTC and 40% against ETH.

The record ICO making record gains

A record-breaking initial coin offering (ICO) in 2017, the project collected $232 million and officially launched in Sept. 2018. The Tezos blockchain uses a native-middleware called “Network Shell” allowing them to develop a self-amending ledger.

Its blockchain protocol is divided into three layers; the network protocol is responsible for peer broadcasting between nodes, transaction protocol defines the accounting model implemented by the blockchain, and the consensus protocol helps the chain reach agreements on the state of transactions.

Tezos is a Liquid Proof of Stake system which unlike Delegated proof of stake (DPoS) has no hard and fast rule that delegates the selection. The system requires one to stake a certain number of XTZ to participate in the consensus, a process called baking. The bakers or token holders can delegate their validation rights to other token holders as well without transferring ownership but is optional.

Bakers get the block publishing rights based on their stake and successful bakers get a block reward and get to charge transaction fees for all the transactions inside the block.

Stable Protocol and Baking Pushing XTZ Up

Currently, nearly 80% of XTZ is baked with 15% of all XTZ circulating supply held in exchange bakeries. Coinbase is leading this with over 44% share followed by Kraken (22%), and Binance (15%).

Baking has put a constraint on the supply while demand keeps on rising as the operator “needs to continue to buy more as they go.” This has the XTZ price soaring. However, they have no lockup period so these staked XTZ tokens “can be pulled at a moment’s notice.”

Also, with people starting to enter into Tezos due to the appreciating price and the additional stake reward are creating a “snowball effect,” which Mati Greenspan, founder of Quantum Economics notes, says “causing even further momentum on the price.”

While one reason behind this surge is the staking mechanism, the other reason is it protocol that is looking more stable and scalable than some of its competitors, said, former eToro analyst.

But Things Could get Ugly

The price of XTZ can certainly push higher but investor and trader Josh Rager says “based on the chart, I’m not going to FOMO into this (at this point in time). Certainly an asset I’m willing to buy on pullbacks for swing trades.”

Greenspan also issues a word of caution,

“There’s no telling just how high this might go but I have a feeling that when we do finally see a reversal it does have the potential to get pretty ugly.”

Just like Greenspan, these highs certainly had the traders anticipating a pullback as XTZ shorts reached an all-time high. However, trader, Crypto Michaël wishes “everyone all the best shorting this.”

However, the google trends for search term Tezos are looking for another big uptrend which is a bullish signal.

Source: Google Trends

XTZ is currently fast approaching $3.50 while leading the market gains. But while the shorts are on the rise, so is the trend for the cryptocurrency, now it’s to be known if we will continue this climb or take a break.

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Author: AnTy

US Finance Giant Bottomline Testing Ripple’s Disruptive Technology

  • Bottomline Technologies processes trillion dollars in payments every year and operates in 92 countries
  • The idea is to update the company’s software mode to leverage new disruptive technologies

The US-based finance giant Bottomline Technologies is testing blockchain-based Ripple’s remittance network.

Laurent Laborde, Solution Architect at Bottomline Technologies says the company is updating its software-as-a-service (SaaS) model, a software distribution model in which a third-party provider hosts applications and makes them available to the customers, to leverage new disruptive technologies including Ripple. The recent update on Laborde’s page reads,

“Fundamental part of the move of our SaaS to the current disrupting technologies in the financial market: API-based payments, Ripple.”

The San Francisco-based startup has built a software which is a faster and cheaper alternative to Swift. Apart from RippleNet, which is a network of 300+ banks and financial institutions across 40+ countries, it offers the option to use digital asset XRP to move money across borders.

Laborde however, hasn’t specified which solution of Ripple the company will be implementing.

A payment processing company, Bottomline Technologies is an innovator in business payment automation technology that operates in 92 countries. The company processes trillion dollars in payments every year and has reported a total revenue of over $108 million in the first ending Sept. 30, 2019.

Citizens Bank, GPS – Global processing services, Shepherd Center, Parkinsons UK, Quantum Advisory, Deljis, Carte Blanche Group, ASSA Abloy, First Command, and Rotom are Bottomline’s partners.

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Author: AnTy