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      "body": "While at the World Blockchain Forum in Dubai I was able to catch up with Navin Gupta, the Managing Director of South Asia, Middle East, and North Africa at Ripple. With almost 2 decades of experience in the global payments arena working for HSBC and Citigroup, Navin has carved his niche as a bona fide expert. Here are 5 things that I learned from his highly anticipated talk and our one-on-one conversation:\n\n1 -  XRP has the goal to free up over 23 trillion dollars of capital worldwide, which is currently sitting dormant in accounts\n\nCurrently, banks and currency transfer businesses must keep large amounts of funds remaining dormant in accounts in order to facilitate cross-order payments. By using XRP for cross-border payments, the world’s largest companies will be able to free up over 23 trillion dollars, creating a surge in the overall global economy.\n\n2 - Ripple is extremely strategic when choosing team members\n\nNavin and I spoke about the onboarding of Ripple’s newest strategist, Bloomberg’s Corey Johnson. He explained that Ripple has a long-term view when it comes to new hires. Communication is essential to Ripple’s growth as business and public exposure for XRP as an international payment currency. The expertise and connections that Corey Johnson has adds tremendous value to the Ripple and XRP brands on a global scale.\n\n3 - Ripple’s XRP is one of very few cryptocurrencies with actual real world value\n\nNavin was the second to last speaker of the two-day World Blockchain Forum and the first thing he said was “ “. The fact is undeniable although many in the space are hoping for many miracles with the thousands of ICO’s popping up everyday. I must say, this was brutal honesty at its finest. It shows Ripple’s attitude of not being afraid to call out bad actors within the space.\n\n4 - Even though Ripple is not a consumer-facing company, their clients are the world’s largest consumer-driven organizations, and this is great for individual holders\n\nNavin made it clear that Ripple is focused on B2B, although he also made the point that their clients are dedicated to millions of global consumers. I immediately thought of an analogy of how incredibly valuable back end products are. For example, most consumers do not know that their iPhone would not function without Qualcomm’s deep technology, and quite honestly, they don’t care. This relationship is similar to that of XRP and Western Union, American Express, Money Gram, and many more. Consumers will be using XRP without even knowing about it, which exponentially will increase liquidity, and in turn provide upside value for individual XRP holders.\n\n5 - Regulation is the final hurdle for XRP to take complete hold of the global cross-border payments industry\n\nOn stage with Navin was Rahul Pai, COO of Dubai’s largest payments company UAE Exchange, and he explained that the company is currently only using Ripple’s software although is extremely excited for the day when regulation will catch up with the Blockchain technology so that he can free up the billions of dollars sitting dormant for cross-border payment facilitation. They shared a hearty laugh together as this is something highly anticipated throughout the finance industry, because, who doesn’t like to have their capital freed up? If there’s ANY cryptocurrency that will survive regulation, it is Ripple. Their team is loaded with global regulation insiders, most notably Benjamin Lawsky, the first US legislator to develop laws for Bitcoin back in 2014.",
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