Great post , Bennie. I'm tempted to get into Ripple but I find myself getting cold feet. Here's why: I found that it wasn't on a public ledger and that the company holds a significant position in it meaning they could just be setting this currency up to pull your money. Plus, if banks are already making gobs of money charging for wire transfers, why would they stop? Please let us know if you come across anything that states the contrary. Thanks