Karen Gifford Ripple Labs Chief Compliance Officer. The Future of Payments 2015

Standard crypto is a digital asset designed to work as an item of trade. Additional units are found by mining. Any person may do this by using their computer.

Mining requires a large amount of hours and electrical energy, though. A fast machine is also required, to do this effectively. Conversely, Ripple is a centralised resource, which is unmineable. A limited amount of units were made by the organisation and this limit will not be added to. 

Ready to invest in XRP? Securing it is quite simple but one need to exercise caution, whenever making an internet transaction of any kind.

Right now, over half of all buys are made over the net. Online shopping is convenient and easy, which is why more and more citizens are switching to this method instead of facing the throngs in the shops. The internet also allows them to perform more valuable research and pick-up the top deals. Even so, there still is a shadowy side to e-commerce. These are the vital protocols, one should follow.

Always buy from your house/apartment. Hackers can easily access your info when you use non-private wifi connections, therefore it's less risky to purchase from your living-room than in retail premises. Avoid making purchases when you are connected to bus stations, hotels or other public free wifi zones.

Avoid Twitter/FaceBook links. Don't rely on these types of deals as most links are shortened. That means customers cannot be confident that the link takes you to a genuine website.

Pay with a credit card. Never use a debit card. Most debit cards require that acts of fraud be reported in under a couple of days to qualify for limit liability. Do not wire money to vendors. You won't be able to get your money back should you do this. Always look at credit card statements. Place online receipts in a designated email folder, then you may crosscheck amounts.

Never provide any excess information. There's no need to supply a driver's license number. They don't need your social security information either. Should any site request this information, be suspicious. Select complicated passwords that only you can recall. Then if your phone/PC offers to store passwords, always select 'No'. Should somebody gain access to your device they might discover your credit card info.

Watch you don't get caught out by gift card scams. If you are sent an email that claims you've qualified to receive a gift card but also requests your credit card details, delete it. Legitimate businesses will not seek private financial data. Always remember this, because it's important that buyers act wisely when buying on the internet. Purchase from home and first establish that the vendor is trustworthy.

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