Like HTTP (Hypertext Transfer Protocol) for building and sharing websites and SMTP (Simple Mail Transfer Protocol) for sending messages on the Internet, RTXP (Ripple Transaction Protocol), which was created by Ripple Labs, is free, open source software that standardizes rules and messages. RTXP is designed for trading and settlement of interbank payments over distributed networks. Ripple Labs calls RTXP email for money. Existing interbank payment systems, money transfer companies, card networks, Earthport, clearinghouses, and exchanges are centrally designed, and provide messaging logic, bu...