High Quality Content by WIKIPEDIA articles! Ripple is an open-source software project for developing and implementing a protocol for an open decentralized payment network. In its developed form (it is not substantially implemented), the Ripple network would be a peer-to-peer distributed social network service with a monetary honour system based on trust that already exists between people in real-world social networks; this form is financial capital backed completely by social capital. Another possible direction for implementation is extension of the existing hierarchical banking system, providing alternate payment routes that do not pass through a central bank.

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