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" The Ripple network is a protocol. It's like HTTP for money. Users, merchants, anyone can use it for free without a license. "

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" Banking now is like sending a letter: you send it, you don't know if it reached there. Ripple is more like sending an iMessage: you send it, and you immediately know. "

" We saw for a time that digital currencies were radioactive to banks, but that's not the case anymore. "

" A distributed ledger is basically a shared database that allows institutions to directly send and receive money in a trustworthy fashion without a middleman. As a result, we have the capacity to connect the world's payment systems for the first time.That's a big deal. "

" Bitcoin solved the double-spend problem. The key problem was payment confirmation without central clearing. Bitcoin's solution was ingenious but wasteful - it's fairly slow, and you can't put other things on it. "

" We believe that Ripple will change the way the world thinks about and uses currency through universal access to a trusted, transparent, and easy-to-understand multi-currency financial tool. "

" Low-value payments are now possible. Now, Ripple can make it easy for Facebook and Uber and Amazon to make payments to developers in real time. It's online and completely global. "

" Ripple is redefining the way that value moves around the world, and today we're already enabling real-time, affordable international settlement between banks who have adopted our solutions. "

" A lot of financial technology is foolhardy. Saying, 'We're going to kill banks. We're going to disrupt everything,' ignores some realities. "

" We don't think the blockchain can do most of what's been ascribed to it. But we're entering the Internet of value - and that is very much underhyped. "

" You can hold your Bitcoin in Ripple. We want to be agnostic to any currency, whether that be a virtual currency, political currencies, or peer-to-peer currencies. "

" Countless banks around the world are already testing distributed ledger systems in proof-of-concept trials. "

" Banks can send big corporate payments through existing channels or send a small payment through Ripple. They don't have to rip out existing infrastructure; they can use Ripple to make the transactions more profitable or more efficient. "