Sunday, 31 December 2017

Why Ripple Has Drawn Attention

Ripple - Stocks, Shares or Crypto

Ripple is very complex to understand. Seems like Ripple needed cash and decided to go Crypto Currency Route and not Share Certificates. Critics explain Ripple as a centralized crypto currency. 

Yet Ripple does not full fill the role of  a Crypto Currency at the moment. Ripple is a Technology that far surpasses Block Chains and the function of Crypto Currencies. Seems like Ripple aims to improve the function of Swift, the International Code that links Banks from around the World. It would be great if Ripple lands a Swift contract for it looks like Swift was slow out of the starting blocks with the new technology.   

So what is Ripple?
Ripple is a privately owned Crypto Currency Network to assist in cross border payments and speed it up, but ripple is  more than just a currency. Ripple is actually a technology based on three tools. 
  1. xCurrent, 
  2. xRapid, 
  3. XVia 
Ripple Public rather talk about tokens than coins. 
Ripple Public are more interested in investing in Ripple than trading of Tokens.

Why did Ripple Lock up Tokens in Escrow Account?
All the Ripple tokens that will ever be in existence has been released and is the hands of the Company Owners/Founders. This does not create and artificial shortage, but rather an over offering. To increase Ripples Value the volume had to be reduced. So 55 Billion Tokens has been locked up for 5 years, since May 2017, in an Escrow account. 

History of Ripple
Ripplepay, was first developed in 2004 by Ryan Fugger. That is 4 years before Bitcoin was conceived. This lead to Ripple Pay in 2005. In 2011 Ripple, under the hands of Jed McCaleb of eDonkey created a new crypto currency. eDonkey dates back to 2000 and was well of the World'd most used file sharing platforms and still stands second to BitTorrent today in the world of File Sharing. 

Ripple started it's life with investors like Andreessen Horowitz and Google Ventures. Open Coin was incorporated  with Ripple under XRP in 2013 after The partnership between ZipZap and Ripple was called a threat to Western Union. Ripple Labs also introduced Bitcoin Bridge. The ability for any Currency to be converted to Bitcoin. (Do You Wonder why Ripple is the bench mark and Not Bitcoin?)  .

  • The first bank to use Ripple was Fidor Bank in Munic
  • September 2014 the New Jersey-based Cross River Bank and Kansas-based CBW Bank announced they would be using the Ripple protocol. 
  • December 2014 Ripple Labs began working with global payments service Earthport, combining Ripple's software with Earthport's payment services system. Earthport's clients include banks such as Bank of America and HSBC, and it operates in 65 countries.
  • April 2015, it was announced that Western Union was planning to "experiment" with Ripple
  • In late May 2015, Commonwealth Bank of Australiaannounced it would be experimenting with Ripple
Partnership Publicly KnowAccenture[54] • Akbank[55] • American Express[56] • ATB Financial[57] • Axis Bank[55] • Banco Bilbao Vizcaya Argentaria (BBVA)[55] • BMO Financial Group[58] • Cambridge Global Payments[55] • Canadian Imperial Bank of Commerce (CIBC)[57] • CBW Bank[3] • CGI Group[59] • Cross River Bank[3] • Davis + Henderson (D+H)[60] • Deloitte[61] • Earthport[41] • Expertus[62] • eZforex[55] • Fidor Bank[40] • Mitsubishi UFJ Financial Group (MUFG)[55] • Mizuho Financial Group (MHFG)[58] • National Australia Bank (NAB)[58] • National Bank of Abu Dhabi (NBAD)[57] • ReiseBank[57] • Royal Bank of Canada (RBC)[58] • Santander[63] • SBI Holdings[64] • SBI Remit[55] • Shanghai Huarui Bank (SHRB)[58] • Siam Commercial Bank (SCB)[58] • Skandinaviska Enskilda Banken AB (SEB)[55] • Standard Chartered[58] • Star One Credit Union[55] • Tas Group[65]• Temenos Group[61] • UBS[57] • UniCredit Group[57] • Volante Technologies[66] • Westpac Banking Corp[58] • Yantra Financial Technologies[67] • Yes Bank[55]

Ripple is thus not a new kid in File Sharing and Online Payments. This is how a long term investment in Crypto Currency should look like.

By Petrus Viviers


Sources and Further Reading

Wikipedia      - Ripple Payment
Wikipedia      - eDonkey
CryptoNinjas - 55 Billion Escrow

Why Bitcoin will keep on failing

Why Bitcoin will keep on failing

Bitcoin was designed to be a Bubble/Ponzie/Pyramid Scheme dressed as a Crypto Currency.
Bitcoin did revolutionised the way people look at Crypto Currencies and AltCoins in general, but to create "Gold" out of cyber Space purely by mining it was a joke from start.
Now for the World to link all AltCoins to Bitcoin as if it is cyber gold is madness and only mad people would do it and try and believe themselves.
My first ever research into Bitcoin was through it's white paper. The Mechanics behind Bitcoin is nothing less than a Ponzie Scheme. How sad that the World's Future Currencies is build on a Computer Scam that no one wants to take responsibility for.
The Bitcoin Foundation dipped their hands into the Script running Bitcoin and change the trust factor completely. If Bitcoin was to be the Cyber Gold of our World it should have been presented like that and a Trade Currency should have been linked to it.
BUT ... Bitcoin was presented to us as a cyber trade Currency and then when the transactions started stacking up Bitcoin run into Hard Coded intentionally implanted inflated algorithms thus strangling it self in the lack of computing power.
If Bitcoin was intended to be the "Gold" then it needed a "dollar" as a currency that was not intentionally computer processing hungry.
The Bitcoin Community/Foundation altered the original script and the two hard forks never happened. Proofing that Bitcoin is not decentralised and not self regulated.
Furthermore confusion was created with Bitcoin Gold (BTG) and Bitcoin Cash (BHC). One was a fork from Bitcoin intended to be the Cash and the other was created so people with inferior hardware can share in the so called mining experience.
Well that is that ... Should have Been Bitcoin Gold ... Bitcoin Cash and Bitcoin ... in that order, but it is not .. now we stuck with a Energy hungry monster that is ill equipped to drive the Worlds Economy.



Wikipedia      - Bitcoin
White Paper  - Bitcoin

Satoshi Nakamoto Institute

Monday, 13 November 2017

WhatsApp Messenger: Android + iPhone + Windows Phone


I just downloaded WhatsApp Messenger on my Android.

It is a smartphone messenger which replaces SMS. With WhatsApp, you'll get fast, simple, secure messaging and calling, available on phones all over the world.

WhatsApp is available for Android, iPhone, and Windows Phone, and uses your phone's Internet connection to send messages so you can avoid SMS fees.

Get it now from

Monday, 16 October 2017

Property Investment Pitt falls in St Lucia Estuary

Houses For Sale

St Lucia Estuary

This article is based on facts 
St Lucia Estuary has a long standing town planning scheme that is in line with the National Building Regulation and other town planning schemes. This scheme might be old, but I am not sure it is outdated. St Lucia did not have any "new land released" since 2000. St Lucia as a town has limited Electricity, Water supply, Sewerage Disposal and Waste Disposal. This cannot change and will effect any New Town planning Scheme. So by way of intellectual deduction it will have to have a town planning scheme in line with this restrictions in mind.

Light Commercial
General Residential 1
General Residential 2
Special Residential 1
Special Residential 2

With out an updated zoning map, which is currently in process of being updated these zones are quite easy to thumb suck.

GR 1 is properties larger than 4400 sq before sub dividing. 
GR 2 is properties larger than 2000 sq before sub dividing.

Normally their zoning did not change after sub dividing, but additional restrictions has been placed on properties bigger and smaller than 4400 sq. Only properties larger than 4400 sqm in GR1/GR2 has the right to apply for Hotel Rights under special consent. Special Consent is exactly what it states. 

An Property owner will put in writing reasons why they want to invoke special consent on a certain property. The Municipality will then grant or deny that consent to the applicant. Special Consent is only binding to the applicant and not transferable with out the Municipality's blessing. Thus for every Transfer must have in writing that the property is bought and the buyer is aware of Special Consent and whether it has been been granted or not.

This Extends to Guest Houses on Special Residential 1 & 2 Zoning.

These are generally properties smaller than 1200 sq, but again it must be confirmed from the Zoning Map. Guest Houses on these properties fall under the Special Consent Criteria.

  1. Not more than 4 Rooms available to Guests
  2. Owner Must Reside on the premises
  3. Special Consent must been given by the Municipality in writing.
Thus said we now look at the marketing of said Guest Houses on Property 24 If you are an Estate Agent, Lawyer (transferring or advisory) or a buyer you must insure that you are familiar with these Consents and Zoning. I have recently reapplied for my Estate Agency Fidelity Fund Certificate and have been viewing the properties available on line For Sale. I see a lot of pitfalls that has evolved over the past 9 years in the St Lucia Estuary Property Market. 


Wednesday, 20 September 2017

You are the weakest Link - Good Bye

I, Petrus Bierpens Viviers, have very little respect with large corporations and their macro attitude towards micro problems. If you are to large to understand the problem of an individual you have become power obese and I treat you with the same resentment that you treat me for being obese.

This problem is build into the core of modern society, education and religion. No person has the power over another person. We choose our leaders and if we choose wisely we chose them because of their wisdom and not because of their knowledge. (Wisdom is the ancient trait of the ability to apply knowledge)

So maybe our corporate mentality is now feeding the beast. We should go back to the system where we use the skills of wise individuals and stop employing the collectiveness of corporate knowledge.


BierPens Viviers

Sunday, 10 September 2017

iSimangaliso Heritage Day 2017

Google Forms
I've invited you to fill in a form:
iSimangaliso Heritage Day 2017
23 September 2017 Heritage Day
KZN Wildlife Auditorium
St Lucia Estuary

On Line Ticket Sales
Project Work Initiative
Petrus Viviers
083 584 7473
Create your own Google Form

Wednesday, 6 September 2017

Your DirectorZone Weekly Update


Villa Mia



BierPensTV's Weekly Bulletin 2017/08/26 - 2017/09/01

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Why Ripple Has Drawn Attention

Ripple - Stocks, Shares or Crypto Ripple is very complex to understand. Seems like Ripple needed cash and decided to go Crypto Curr...