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Over human history we have used various methods of ‘Money’ to exchange something for something as a payment, this something must be accepted as valuableportable and exchangeable.

A gold coin is ‘Money’ because it is valuable, so is a $10 dollar bill or a £10 note money? NO it is not money! It is just a piece of paper (more complicated now days) but you can still take it to a shop and exchange it for something, that is because it is not money but it is Currency!    Read More …

The digital age of money had a Eureka moment in 2008 after a mathematician clever clogs and software developers created Bitcoin, the intentions were that Bitcoin will do to money what email has done to writing letters. Bitcoin has failed in this mission, misreably! Read More …

Digital basically means computer code, in its most basic form its 100110100101 and an Asset is a useful or valuable thing. So putting them together you have created a useful valuable piece of digital code, called a digital asset or a Token.

If I have £1 in my bank and I want to turn it into a digital asset I may say I have 1 Tony in my bank but £1 is made of 100 pennys so I say 1 Tony is made of 100 Tony jnrs, now I can send this piece of digital code that I say is worth £1 (1 Tony) or only 50p (50 Tony jnrs) to anywhere on the internet, but who would accept it?

Likewise 1 XRP (Tony) can be subdivided to 1Million drops (Tony jnrs) and how does this relate to the value of £1? There is the fun part, market forces decide! The same way market forces decide a Banksy painted on a brick wall is worth £1Million. If someone wants it real bad they will pay more! Read More …

If you are using a digital asset as a form of currency over the internet you really want to be sure only you can send your digital asset from your wallet.  To ensure only you can send XRP from your wallet the transaction must be signed, when you sign a cheque you are saying to the bank this is really me please pay the person and the bank will check the signature is truly yours, a digital signature does this by using a combination of your Public key, your  Private key and transaction message in a Cryptographic process to confirm the transaction received by the Validators is legitimate. Read More … 
From Wikipedia, the free encyclopedi: Cryptocurrency

Lady’s have purses, men have Wallets, sorry Wallets win, well sort of, because we will all use Digital Wallets. Read More …

Ledgers are used to keep a company’s total cash value recorded, more likely to be a software application but books are still used. What then you may ask is the XRP Ledger? Read more …

Due to some naughty behaviour with accountants having slippery fingers a system called Double Ledger accounting was created for a company to stop the theivng.

In the XRP Ledger lots and lots of copies of the Ledger are maintained and updated almost instantaneously, these are held on many servers (nodes) around the world making it impossible for any single or small group of persons to fiddle the books to steal XRP from other accounts! Read More …

When a person uses their wallet to transfer XRP from one account to another the request is sent to a Validator, which does exactly that, it validates if the transfer is valid. The validator checks if the account actually has the correct amount being sent, if the recipient exists etc. Read More …

The challange with a distributed payment system with no single administrator is how to stop a person spending the same digital money twice, called a Double-Spend!

Bitcoin does this using masses of computers doing maths and therefore huge amounts of electricity to do it, its slow and does not function as an immediate payment system. The XRP Ledger uses a Consensus protocol, its fast, cheap, hugely more energy efficient (greener) than Bitcoin and perfect for a real world digital economy. Read More …

Blockchains can vary in their description, what makes the XRP Ledger a blockchain is when a number of transactions are completed (via consensus) these transactions are recorded on the XRP Ledger then this number of transactions is closed within a block. Referring back to the old ledger books this would be a written page of recorded transactions and the page is turned to start a new page of recording transactions. It is impossible to go back a page (Block) and edit it. So when a block of XRP transactions is closed it is said to be Immutable, unable to be changed! Each closed Block of transactions can reference the previous block and the next block to itself, making it chain or referred to as a Blockchain! Read More …

We have learnt Money has changed many times over human civilised history, now we are using the internet to move money in the form of a Digital Asset between countries using distributed servers in a secure network utilising Cryptography to protect from theft, the digital asset is sent from one persons wallet to another persons wallet, anywhere in the world, no matter how large the amount of money we send its takes around 3 seconds to get there!

Whilst some other Crypto currencies try to achieve the above only one of these is successfully being used today to move £Billions in seconds around the world! That is XRP on the XRP Ledger! Read More …

Brief History Of Money

Over human history we have used various methods of ‘currency’ to exchange something for something as a payment, this something must be accepted as valuable, portable and exchangeable

Some examples of payment in history have been:

  • 4,000 years ago we used shells known as ‘cowries’ beautiful, unique and could not be made.
  • 2,000 years ago wheat was used, as it was a common and an important part of our diet, a bushel of wheat would have an agreed value for exchange.
  • Gold coins were a favourite, but would be mixed metal in times of Gold shortage or in times of difficulty.
  • Started an IOU on paper, turning into official paper currency.
  • Future Cryptro Currency, XRP4U hosts 2 online shops and we take payment in XRP of course!

Over the last few decades most of the world has gone digital and people understand this concept well, written letters turned into emails, talking to family eye to eye turned into video messaging. Who remembers flipping through yellow pages phone book trying to find a number and now you can ask Siri or Alexa and that hard work is taken away instantly!

Currency/Money has seen major changes with tap to pay using Visa and Mastercard etc. but has currency truly gone digital or is this just a digital way to use your ‘national’ currency? Right now you may have money in your pocket, in a purse or in your Wallet. So the answer is a resounding NO! Is this about to change, absolutely yes!

Money and Currency are used interchangeably but they are in fact two very different things! Money has been used since before governments were created. Small tribes used money as in the case of the Cowrie shell, they may not have known this then but they were using what we now call money, same as Gold coins were used as money. 

Making Currency Digital

Most people use electronic banking to transfer currency around and to pay in store, but we still need money in our pockets to pay for some things and to pass to each other.

The true digital age of currency looked like it had a Eureka moment back in 2008 after a mathematician clever clogs and software developers created Bitcoin, the intentions were that Bitcoin will do to currency what email had done to writing letters, to Digitise it. Bitcoin is refereed to as a Crypto Currency.

For a number of reasons this digitisation of currency is still making painfully slow progress around the world 11 years later.

In 2020/2021 a 4th Industrial revolution is expected within global value transfer and a Digital Currency, that was created in 2013, is taking the lead and that Digital Currency is called XRP

XRP is the native token of the XRP Ledger Network.

Sample of an actual Bitcoin mining farm

XRP has some major differences compared to Bitcoin such as it does not need huge factories called mining farms full of computers using precious electricity to check transactions and create new digital coins, which it is does unacceptably slowly. You could purchase a coffee with bitcoin and may have to wait up to 1hr for the payment to be settled and then you get to drink it, yuck!

XRP is super fast, super cheap and kind to the environment. It is super better!

Huge amounts of energy are wasted, and things are getting worse!

XRP is not a ‘centralised digital currency’, the US have central control of the $ or the British government have central control of the £ or the European parliament have central control of the €, centralised control of currency in the wrong hands causes many problems, the value of XRP has no centralised control, it is controlled only by the global exchange markets in many different currencies so no one country or entity can control or manipulate it, new XRP can not be printed/created to ridiculous amounts that then causes chaos with its value as does currently happen with all global FIAT money (£, $ or € etc) if XRP is not centralised then it is said to be Decentralised.

To use XRP you must have a XRP account, refereed to as a XRPL Wallet, unlike a leather wallet that you have in your pocket a XRPL wallet is a computer application that is loaded into your computer or smart phone, this XRPL Wallet app is then used to receive XRP to it and send XRP from it and used to check your balance. If you use a banking application on your smart phone or a Bank website to move your money from say your current account to your savings account your not moving the cash from account to account by a little van driving from building to building, its just numbers changing within the banking network. XRP moves in a similar way and the XRPL Wallet (account) is an access link, a doorway, to a computer network called the XRP Ledger. Much the same was as you debit or credit money form account to account you can debit or credit XRP from account to account, this is done in either case by making transactions.

When you create a XRPL Wallet you are creating an account on the XRP Ledger. This wallet has two encrypted digital keys assigned to it, a Private key must be used to give XRP away (debit) and a Public key is used receive XRP (Credit). 

A Public key is used to receive XRP into your wallet you can give this out freely in the hope random strangers will send XRP to your public key (one can only hope 🙂

A Private key allows you to send XRP from your account to someone else. It is critical you do not share this Private key as you are giving someone the authority to take your XRP, NOT GOOD!

An Exchange will not have thousands of Public keys (accounts) on the ledger as it would currently consume 20XRP for each users Public key. Instead they have a Pool of XRP and you are given a Tag which identifies your XRP within this larger Pool. When your XRP is left on an Exchange you do not own the Public or Private keys, if you do not own the Private key then it is questionable if the XRP yours! Even if you are told it is yours the issue is you do not have full control as to what happens to it! Some Exchanges are known to PLAY with your XRP for their own gains!

In this example Tony is sending 10 XRP from his XRPL Wallet (a Toast Wallet), he does not need to provide the Private key to allow him to send the XRP as Wallet’s will do this for you automatically. He is sending (transferring) this 10 XRP to John so he must provide John’s XRPL Toast Wallet Public key to make sure it goes to his the correct account. If Tony was sending the XRP to John’s Exchange account wallet, ie Wirex, he would need to provide the Wirex Public Key and a Tag so that it reaches John’s wirex account, missing or incorrect Tags may cause the XRP to be irrecoverable lost within the Wirex XRP public pool! If an account has a tag attached to it then not including the Tag is like sending a letter into the mail system and you forgot to write the address on the front of the letter! The Letter does still exist in the mail system somewhere but no one knows where it should go or who it should go to! not good! The same applies to the XRP that was sent with no tag if a tag was needed, it still exists in a pile of other XRP and that is where it will stay!

Cryptographic signatures

When transacting XRP you really want to make sure that the Validator know it is you and not someone pretending to be you!

Hello  Cryptography!

To ensure only you can send XRP from your wallet the transaction must be ‘signed’, it does this by using a combination of your Public key, Private key and a transaction message which is bundled within a Cryptographic process. Hence the term Crypto currency. Presuming only you have access to the wallet information it must be you making the transaction and it is therefore allowed. It is critical you do not give out your Private key or passwords so that others can not pretend to be you!

For a an in depth ‘very technical’ explanation on Keys read the superb Blog by one of the primary XRPL  community contributors and developer Wietse Wind:

Keys are key: secret keys & signing transactions

There are step by step Tutorials for creating a Desktop Toast Wallet and a USB Toast Wallet in the tutorials pages, as you may have guessed I do really like the Toast Wallet 🙂 and it comes highly recommended by the #XRPcommunity

What is a Ledger?

As mentioned previously when you create a Wallet you are creating an account on the XRP Ledger, but what is a LEDGER?

The word Ledger was and still is the name for a paper book that a company may hold for accurate accounting of a company’s finances, it records what payment was received and from who and what money was paid out and to who and how much the company is worth, the cash balance. Even with the popular accounting application Quickbooks on desktop/mobile doing all your accounting it still refers to Ledgers.

When is a Ledger not a Ledger? A) When it is a Distributed Ledger! haha 🙂

If a company has a single Ledger within a company and the accountant looking after the Ledger is a very naughty accountant they could manipulate the numbers and steal money easily and no one would know. In accounting there is a system called Double Entry accounting to identify any errors within the books ledger. Now applying a similar system to the XRP Ledger this Ledger has many copies of itself in many places that can be compared to see if they match up. Each Ledger is held on a high powered computer and the computer is referred to as a network node or a Validator. The Validators that make up the XRP Ledger are all over the world, you me or anyone around the globe can run a XRP Ledger node/Validator. By spreading or distributing the Validators around the world by many unconnected people like this removes single places of failure making the system robust and near impossible to cheat, this Distributed Ledger Technology is shortened to DLT and for XRP we say XRP DLT, simples! 🙂

How many Validators does to change a lightbulb? 🙂

When someone sends XRP to someone else its called a transaction, or TXN for short, the XRP token value being sent is debited or taken from their XRP wallet balance and credited to someone else’s Wallet, the request is sent to a globally distributed network of computers call the XRPL (XRP Ledger) the TXN (transfer) is picked up by multiple Validators within this network and each checks their own local Ledger to make sure the receiving wallets actually exists and that the balance of XRP in the senders wallet will cover the XRP being sent on this request, a number of validators within the network that are involved in this TXN come to consensus (they all compare their own local Ledgers to each others and come to a joint decision) and if consensus is agreed (all the involved validators confirm the TXN is valid) that the receiving wallet does exist and the sender does have enough XRP to cover the transfer then the Ledger entry on all involved validators will reduce, debit, the senders wallet and increase, credit, the receivers wallet by the transferred amount, they all now update their own Ledgers and all is done in the blink of an eye. All involved validators will now sycronise their ledgers with all the other validators (nodes) in their  group they then sync their transactions with other validators and so on until all validators (nodes) contain the exact same ledger information. As each of the validators may also exist in a different groups/UNL, called overlap, the other group where they also exist is also synchronised with this TXN. Due to this overlapping of groups eventually every validator (node) in every group will be synchronised, therefore the Distributed Ledger across all nodes (validators) will be synchronised. Pheww that was a tough bit! 🙂 Here is a pic that might help,or maybe not 🙂

Consensus Verification and no supper for you!

I remember as a kid I might ask my mum if I can come home late and she would say yes, I will come home late and get in trouble by my dad because I never asked him, and vice versa! So I learnt quickly that to avoid getting in trouble and avoid getting no supper I would ask both mum and dad, I now had consensus agreement from all parties that I could come home late! If a validator consistently fails to come to consensus, it’s Ledger is not identical with other validators, then it is thrown of the DLT network, either it is being very naughty (or someone is trying to be very naughty) or its just a slacker server, either way it gets no supper! Until it can prove it can behave.

Irreversible, no charge-back and written in blood on the Blockchain

OK so its not actually written in blood but when a transfer has been verified by consensus and completed a space within the Ledger, refereed to as a block, records the transaction as a block of code (computer data), lots of transactions grouped together create a Blockchain (a long chain of blocks of transaction codes), this code is irreversible and permanent and open to the world to see. Every time you complete a transfer from your wallet or an Exchanges wallet or what ever you used to make the XRP transfer you will be given a type of receipt with a Blockchain reference or ID, this reference points to the position within the chain of blocks (Blockchain) where the record of your transfer is permanently recorded and kept, forever!

How many Tokens can I fit in my pocket?

The use of the word TOKEN does cause confusion, tokens are what you buy to go on fair ride, visit a Casino or releases a shopping trolley, you pay for them then stick them in you pocket. XRP is actually refereed to as a Digital asset! An asset is something that you own, like a house, a car, a Rolex timepiece, these are all assets that have an exchangeable value.

If I own £100 of the digital asset called XRP then I buy another £100 of XRP do I now own 2 XRP digital assets each worth £100? NO, I now own a digital asset called XRP that is worth £200

In Summary

The XRP Digital Asset exists as only as a digital value within the XRP Distributed Ledger, my XRP digital asset might be worth £100 and your XRP Digital asset might be worth £10,000 and both will be recorded the XRP ledger, exact same copies of the Ledger are held on many of servers called nodes/validators and they are spread around the world making it a Distributed Ledger, robust and indestructible, if I ran a node from my house and an asteroid hit my house nothing would happen to the XRP Ledger as a whole.

A XRP Wallet is simply an account that exists on this Distributed Ledger, a bit like how your bank account holds your savings, and it can read the XRP balance for this wallet from the distributed Ledger. When you request to transfer XRP ( you are only transferring a balance value not actual XRP tokens) a number of validators then have have a chat and if consensus is reached, if one validator disagrees it is ignored but ordered to sync, the XRP token value transfer is verified and the TXN is written into the Blockchain, all the Ledgers in the same UNL (group) synchronise their Ledgers with the respective credit and debit values between the wallets (Ledger accounts), due to Validator overlapping within other UNL’s the other validators in the different UNL on the DLT also then sync their Ledgers with each other’s, almost like a virus spreading through a network. When TXN is written into the Blockchain it is kept forever for the world to see and is therefore Not Private or said to be Uncensored!

This very simplified diagram shows 3 Validators using Consensus to verify the transaction, on the XRPL, there are actually around 32 Validators as part of the UNL as well as dozens more nodes all across the world that validate XRP transactions, each transaction is completed within a block of transactions, blockchain, and the XRPL can complete 15,000 transactions across the 32 XRPL Validators in around 3 seconds!

As the XRPL Blockchain is Uncensored it is no good to drug dealers or kidnappers who want to keep their transactions Private and censored, this contradicts what some ‘uneducated’ persons and anti crypto media outlets and some organisations like to report about Crypto Currency Blockchains/Ledgers

However, Some Crypto coins do have a censored/private Blockchain, that is for another day!

Easy peasy lemon squeezy! 🙂

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Here we simply explain what XRP is and Who is utilising XRP transactions in their products (XRP Ecosystem)

XRP: Brief overview and History

XRPL Simply Explained

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UK Crypto TAX guides

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Web Browser: Ensure your Anti Virus is fully updated!


The XRP Ledger contains a fully-functional decentralised exchange where users can trade issued currencies for XRP or each other:


XRP4U are working hard to create quality FREE Tutorials for our visitors, we hope the list will grow quickly.

Topics will include XRP and XRPL knowledge, SEND XRP, DEX, Escrow,  advanced Wallet use etc.

Checkout our list of Tutorials 


XRP4U are busy working on a new web based learning site dedicated to XRP and the XRP Ledger, we hope we can have this released asap, am a busy bee!

RippleNet ODL (On Demand Liquidity) has a crucial part to play in the success of the XRP Ledger. For this reason I have broken ODL out of the Ripple page and given it a well deserved home of it’s own!


There are number of high profile developers and many superb XRPL projects both Live and being built, here XRP4U will add and track as many live projects as we can and add developer profiles as and when they join the #XRPCommunity.

Developer Portal

The XRP Community Fund will be used to support the development of tools / apps / integrations / plugins that make it easier to use XRP for (consumer/small business) payments. They also hope to attract more developers to the community. Bounties will be available for developers working on tools requested over a longer period of time by the XRP Community.

XRP Community Fund

The Heroes of the XRP Ledger


This is a sneek peak as page still under construction!

Coil is a Web Monetization streaming payment service that streams payments in XRP or US Dollars when content is viewed.

Video Platforms

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Website content

Bringing Turing complete smart contracts to XRP

We are currently building a full page for Flare but here are some good links to get you started on this journey.

XRP4U monitors the internet for the best FREE tools for the XRP Ledger, here are an example of some of our favourites!

Our XRPL Tools page gives an overview of all the Favourites.

XRP4U XRPL Tools page

Dive deep into the XRP Ledger with XRPSCAN: The best XRP Ledger Explorer!

Get notified for all XRP transactions in/out of specified XRP addresses! Handy for the transactions you make, critical for any you DID NOT! XRPBALANCE.info

Where in the World is all the XRP? xrptracker.kka72.com tells you where it is! search large transactions and more! All in Real time! 

More than enough Eye candy to make your teeth fall out! Some eye dazzling graphics created from real time transactions on the XRP Ledger.

XRP4U have squeezed together on the same page some of the best sites so sit back with some popcorn and enjoy! PC/Tablet viewing only!

XRP4U XRPL graphics overload!





Learn and Practice using 3,000 XRP on the XRPL TestNet, don’t risk your XRP playing and learning in the real world, its far to precious!

The Lab contains 3 XRPL Testnet wallets that are hosted by GitHub, you can send and receive XRP (watch the speed!) between the 3 wallets and learn other advanced functions safely, including creating an XRPL Issued Currency!

XRP4U TestNet Lab

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