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Ripple is a funds transfer company that created RippleNet and XRP. XRP is a digital asset running on it’s own blockchain. The main purpose behind XRP was to create a decentralized custodial free payment system which will use another consensus algorithm than Bitcoin. The project was initially based on the idea that you can exchange any asset or goods by using XRP ane currency bridges (exchange your currency to XRP and then transfer it to the other address via public ledger in just a couple of seconds).
In XRP the system is handles by the verified or trusted nodes from the UNL (unique node lits) owned by the Ripple company and third parties. Two years ago it was possible to critise the project, but nowadays XRP is working hard to make their network more decentralized and trustless. Don’t trust, verify!
More than 150 nodes are running all over the globe right now and only 10 are governed by Ripple. In the past there were only 10 nodes and the whole XRP Ledger was governed by Ripple company. To decrease the risk of any failures in the validation Ripple decided to make a devirsification of nodes by their region, computing powers and other requirements. They validate tranasctions and protect the network from any maliscious actions. For example, to make changes into the blockchain the whole majority of nodes (80%) should vote for two weeks for these changes. Every node has only one vote, it’s fair and trustless.
The next step for centralization will be to decrease Ripple nodes from validation. Ripple will decrease the number of self-governed nodes with every two newcomers to the UNL (unique node list). Then every node will receive their own Token (unique number) that will be used for Vailidators Rotation. And the final step for the nearest future will be implementing Cobalt consensus algorithm.
Now you can Buy Ripple with a bank card easily! All you need to do is just follow these simple steps: