Ripple was the pioneer in enterprise blockchain technology when it created XRP Ledger in 2012, a protocol to standardize rules and messages for cross-border interbank payments within distributed ledger networks. It made XRP Ledger available for free as open source software. Since then, Ripple has reconsidered how business-to-business (B2B) cross-border payments that leverage blockchain’s distributed ledger technology are likely to succeed in the future. Instead of payments staying within a single blockchain, Ripple believes payments will often be facilitated between different blockchains and...