PhaseFour has experience with Ripple and as an active member of Payguard direct access to in-depth knowledge of a broad range of payment systems (internet, mobile, bitcoin, EMV, Sepa, ....) in and outside of the banking world. We started mobile development in 2001 and back than as a payment industry outsider we developed a mobile payment solution and implemented around 20 differnt ones of vaious European telco's. In 2007 we adviced the Rabobank on mobile payments. We see user experience as a deciding aspect and therefore major challenge in the success or failure of a new fintech project even more than technology and to a certain degree regulatory issues. In the new era the customer, not the bank, decides on the features he uses. Please contact us for our thoughts on your Ripple challenge.