---------- Forwarded message ---------- From: Dante-Gabryell Monson <[email protected]> Date: Tue, Nov 22, 2011 at 4:23 AM Subject: Fwd: [Ripple] Re: Dwolla To: Sepp Hasslberger <[email protected]>, Michel Bauwens < [email protected]> Forwarded conversation Subject: [Ripple] Dwolla ------------------------ From: *Thomas Sherlock* <[email protected]> Date: Sun, Nov 20, 2011 at 6:38 PM To: [email protected] Would this company be relevant to ripple: http://www.businessinsider.com/this-28-year-old-is-making-sure-credit-cards-... ? Tom -- You received this message because you are subscribed to the Google Groups "Ripple Project" group. To post to this group, send email to [email protected]. To unsubscribe from this group, send email to [email protected]. For more options, visit this group at http://groups.google.com/group/rippleusers?hl=en. ---------- From: *Kurt Padilla* <[email protected]> Date: Sun, Nov 20, 2011 at 6:59 PM To: [email protected] Just a convenient way to settle debts in USD. Sent from my HTC Incredible 2. ---------- From: *Thomas Sherlock* <[email protected]> Date: Sun, Nov 20, 2011 at 7:03 PM To: [email protected] It's more than a convenient way to settle debt; it's a totally new network essentially linking bank accounts. One of its major investors is Veridian, which, I believe is a mlm. But don't take my word for it. Dwolla may find interest in Ripple. ---------- From: *Jeffrey Cliff* <[email protected]> Date: Sun, Nov 20, 2011 at 7:47 PM To: [email protected] This isn't the first time dwolla has appeared on this mailing list. I thought it had occurred before that, too...mabye it was somewhere else http://groups.google.com/group/rippleusers/browse_thread/thread/39c91132fb4c... Jeff ---------- From: *Kurt Padilla* <[email protected]> Date: Mon, Nov 21, 2011 at 5:02 AM To: [email protected] Seems a little spammy.

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<mailto:[email protected]>. <mailto:rippleusers%[email protected]>. <mailto:[email protected]>. <mailto:[email protected]>.

<mailto:[email protected]>. <mailto:rippleusers%[email protected]>.

---------- From: *Andrew Miller* <[email protected]> Date: Mon, Nov 21, 2011 at 10:14 PM To: Ripple Project <[email protected]> Dwolla is interesting, and worth keeping an eye on. They played a major role in the Bitcoin community for a couple of months in the summer of 2011, during which Dwolla was the preferred way to deposit or withdraw money to the various exchanges (tradehill, mtgox, exchangebitcoins, etc). The promise of Dwolla was that it would be instantaneous and irreversible (both qualities would be a big improvement over ACH). But it turned out those claims weren't true, and in fact Dwolla is just a 'wrapper over ACH'. This caused a little crisis in July 2011 when Dwolla reversed a bunch of transactions without letting the exchanges know. There was some good coverage of the event, especially Bruce Wagner's investigative journalism: http://onlyonetv.com/2011/07/the-bitcoin-show-episode-31/ Article about the immediate aftermath: http://www.siliconprairienews.com/2011/07/as-bitcoin-exchanges-drop-dwolla-m... It's unclear to me whether Dwolla ever was an ally to Bitcoin or whether they may be in the future. A rumor is that the 'big changes' Dwolla has in store for next month will involve decentralization or investment in Bitcoin. I'm doubtful. https://bitcointalk.org/index.php?topic=51478.0 Anything that would make Dwolla useful for Bitcoin would also make Dwolla useful for Ripple. The easier it seems like it will be to settle an IOU in the future, the more appealing it is to accept an IOU as payment now.

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http://groups.google.com/group/rippleusers/browse_thread/thread/39c91... <http://groups.google.com/group/rippleusers/browse_thread/thread/39c91.. .>

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Jeff

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On 20 November 2011 12:03, Thomas Sherlock <[email protected]

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On Nov 20, 2011 12:38 PM, "Thomas Sherlock" <[email protected]

http://www.businessinsider.com/this-28-year-old-is-making-sure-credit...

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