{"id":2026,"date":"2023-08-02T14:36:57","date_gmt":"2023-08-02T12:36:57","guid":{"rendered":"https:\/\/www.joker.gg\/hr\/?page_id=2026"},"modified":"2025-04-08T13:16:56","modified_gmt":"2025-04-08T11:16:56","slug":"sto-je-ripple-xrp-i-sto-znaci-za-financijsku-industriju","status":"publish","type":"page","link":"https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/","title":{"rendered":"\u0160to je Ripple (XRP)?"},"content":{"rendered":"\n<p>U svijetu kriptovaluta, Ripple (XRP) je stari veteran koji je godinama hodao uz Bitcoin (<a href=\"https:\/\/www.joker.gg\/hr\/kriptovalute\/bitcoin\/\">BTC<\/a>) i Ethereum (<a href=\"https:\/\/www.joker.gg\/hr\/kriptovalute\/ethereum\/\">ETH<\/a>) zbog svog ogromnog potencijala <strong>sve dok nije nai\u0161ao na probleme s ameri\u010dkim SEC-om<\/strong>. Sada je dobio parnicu protiv ovog tijela i ponovno mo\u017ee \u017eivjeti svoj potencijal. Ovaj vodi\u010d \u0107e vam re\u0107i sve \u0161to trebate znati o Rippleu.<\/p>\n\n\n\n<p>Na\u0161e globalno dru\u0161tvo je povezanije nego ikada, jer tehnologija ubrzano pove\u0107ava u\u010dinkovitost do razina nezamislivih prije samo nekoliko desetlje\u0107a. Me\u0111utim, prijenos novca u obliku prekograni\u010dnih transakcija jo\u0161 uvijek je dugotrajan i \u010desto neu\u010dinkovit. Razlog ovih sporih i skupih transakcija je <strong>kori\u0161tenje zastarjelih procesa<\/strong> koji moraju i\u0107i u korak s inovacijama financijskog sustava, pri \u010demu nedostatak odgovaraju\u0107e komunikacije izme\u0111u kanala pla\u0107anja usporava funkcije prijenosa. Osim toga, slo\u017eenost ovih transakcija s vi\u0161e valuta i propisi specifi\u010dni za dr\u017eavu \u010dine problem jo\u0161 ve\u0107im.<\/p>\n\n\n\n<p>Tu u igru ulazi Ripple &#8211; globalna mre\u017ea pla\u0107anja (<a href=\"https:\/\/ripple.com\/insights\/q4-2021-xrp-markets-report\/\" target=\"_blank\" rel=\"noreferrer noopener\">RippleNET<\/a>), \u010diji je cilj rije\u0161iti gore navedene probleme iskori\u0161tavanjem snage <strong>blockchain tehnologije i njezine XRP kriptovalute<\/strong>. Ripple u biti povezuje razli\u010dite sudionike u platnom ekosustavu, kao \u0161to su banke, pru\u017eatelji usluga pla\u0107anja, razmjene digitalne imovine i poduze\u0107a, te pru\u017ea nesmetano iskustvo slanja i primanja novca diljem svijeta.<\/p>\n\n\n\n<p><\/p>\n\n\n<div class=\"ub_table-of-contents\" data-showtext=\"show\" data-hidetext=\"hide\" data-scrolltype=\"auto\" id=\"ub_table-of-contents-0f54576a-d565-4b75-9ef8-106067b74d37\" data-initiallyhideonmobile=\"false\"\n                    data-initiallyshow=\"true\"><div class=\"ub_table-of-contents-header-container\"><div class=\"ub_table-of-contents-header\">\n                    <div class=\"ub_table-of-contents-title\"><strong>Sadr\u017eaj:<\/strong><\/div><\/div><\/div><div class=\"ub_table-of-contents-extra-container\"><div class=\"ub_table-of-contents-container ub_table-of-contents-1-column \"><ul><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#0-%C5%A1to-je-ripple->\u0160to je Ripple?<\/a><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#1-kako-radi-ripple->Kako radi Ripple?<\/a><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#2-brze-i-u%C4%8Dinkovite-transakcije->Brze i u\u010dinkovite transakcije<\/a><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#3-povijest->Povijest<\/a><ul><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#4-ripple-labs->Ripple Labs<\/a><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#5-ripplenet->RippleNET<\/a><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#6-zaklada-xrpl->Zaklada XRPL<\/a><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#7-klju%C4%8Dne-prekretnice->Klju\u010dne prekretnice:<\/a><\/li><\/ul><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#8-%C5%A1to-je-xrp->\u0160to je XRP?<\/a><ul><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#9-za-razliku-od-bitcoina-xrp-ne-zahtijeva-rudarenje->Za razliku od Bitcoina, XRP ne zahtijeva rudarenje<\/a><\/li><\/ul><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#10-gdje-mogu-kupiti-xrp->Gdje mogu kupiti XRP?<\/a><ul><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#11-gdje-mogu-pohraniti-xrp-tokene->Gdje mogu pohraniti XRP tokene?<\/a><\/li><\/ul><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#12-je-li-xrp-dobra-investicija->Je li XRP dobra investicija?<\/a><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#13-ripple-slu%C4%8Dajevi-prakti%C4%8Dne-upotrebe->Ripple: Slu\u010dajevi prakti\u010dne upotrebe<\/a><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#14-ripple-prednosti->Ripple: Prednosti<\/a><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#15-ripple-nedostaci->Ripple: Nedostaci<\/a><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#16-ripple-i-tu%C5%BEba-sec-a->Ripple i tu\u017eba SEC-a<\/a><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#17-kad-podvu%C4%8Demo-crtu->Kad podvu\u010demo crtu<\/a><ul><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#18-podelite-na%C5%A1-sadr%C5%BEaj-na-dru%C5%A1tvenim-mre%C5%BEama>Podelite na\u0161 sadr\u017eaj na dru\u0161tvenim mre\u017eama:<\/a><\/li><\/ul><\/li><li><a href=https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/#19-%C4%8Desto-postavljana-pitanja>\u010cesto postavljana pitanja<\/a><\/li><\/ul><\/div><\/div><\/div>\n\n\n<p><\/p>\n\n\n<div id=\"ub_divider_54fec1d6-749f-450e-be52-f477aefe2564\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"0-%C5%A1to-je-ripple-\"><strong>\u0160to je Ripple?<\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"300\" src=\"https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/sto-je-ripple.png\" alt=\"\" class=\"wp-image-3734\" srcset=\"https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/sto-je-ripple.png 1000w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/sto-je-ripple-300x90.png 300w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/sto-je-ripple-768x230.png 768w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/sto-je-ripple-133x40.png 133w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/sto-je-ripple-107x32.png 107w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/sto-je-ripple-267x80.png 267w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/sto-je-ripple-450x135.png 450w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p>Ripple (XRP) je digitalna mre\u017ea pla\u0107anja i protokol koji se temelji na blockchainu i ima vlastitu kriptovalutu, XRP. Rippleov glavni proces je <strong>sustav razmjene sredstava za poravnanje pla\u0107anja i doznaka<\/strong>, koji je u biti sli\u010dan sustavu SWIFT koji koriste banke i financijski posrednici za me\u0111unarodne prijenose novca i vrijednosnih papira.<\/p>\n\n\n\n<p>Kao \u0161to smo vjerojatno ve\u0107 mnogo puta iskusili, SWIFT je godinama bio neu\u010dinkovit sustav pla\u0107anja zbog vi\u0161estrukih razina transakcija koje su potrebne prije nego \u0161to stignu do kona\u010dnog odredi\u0161ta. Blockchain tehnologija poma\u017ee rije\u0161iti ovu neu\u010dinkovitost<strong> omogu\u0107avaju\u0107i br\u017ea i jeftinija prekograni\u010dna pla\u0107anja i prijenose<\/strong>. Ripple je tehnologija distribuirane knjige koja mo\u017ee revolucionirati tradicionalne financijske procese pru\u017eaju\u0107i u\u010dinkovitiju, br\u017eu i pristupa\u010dniju mre\u017eu pla\u0107anja.<\/p>\n\n\n<div id=\"ub_divider_b3d2863d-6cd8-4caf-8c40-45aee24a500e\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"1-kako-radi-ripple-\"><strong>Kako radi Ripple?<\/strong><\/h2>\n\n\n\n<p>Uklanjanjem vi\u0161estrukih slojeva potrebnih za rad SWIFT sustava, RippleNet omogu\u0107uje proces prijenosa od kraja do kraja koji traje nekoliko minuta. Djeluje na <strong>decentraliziranoj peer-to-peer platformi otvorenog koda <\/strong>koja omogu\u0107uje besprijekoran prijenos novca u bilo kojem obliku, bilo u dolarima, jenima, eurima ili kriptovalutama kao \u0161to su <a href=\"https:\/\/www.joker.gg\/hr\/ethereum-nadogradnja\/\">Ethereum (ETH)<\/a> ili Bitcoin (BTC).<\/p>\n\n\n\n<p>Za razumijevanje Ripple mre\u017ee potrebno je razumjeti njene osnovne komponente:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u231b <strong>Pristupnik pla\u0107anja<\/strong>: Ovo je ulazna to\u010dka za financijske institucije u ekosustav RippleNet. Institucije koriste svoj gateway za povezivanje s mre\u017eom, otvaranje zahtjeva za pla\u0107anje i komunikaciju s ostalim sudionicima mre\u017ee.<\/td><\/tr><tr><td>\u231b <strong>\u010cvorovi za provjeru valjanosti<\/strong>: Ovo su poslu\u017eitelji koji sudjeluju u konsenzusnom protokolu mre\u017ee RippleNet. \u010cvorovi za provjeru valjanosti obra\u0111uju transakcije i odr\u017eavaju integritet i sigurnost mre\u017ee.<\/td><\/tr><tr><td>\u231b <strong>XRP Ledger<\/strong>: Decentralizirana kriptografska knjiga koju pokre\u0107e mre\u017ea peer-to-peer poslu\u017eitelja. Ova knjiga pohranjuje digitalnu imovinu XRP, koja je vlasni\u0161tvo sustava Ripple.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Ripple koristi interledger standard, blockchain protokol za pla\u0107anje preko mre\u017ee koji povezuje glavne knjige dviju ili vi\u0161e banaka, <strong>uklanjaju\u0107i posrednike i sredi\u0161nju kontrolu iz sustava<\/strong>. Sli\u010dno internetskom protokolu TCP\/IP, koji omogu\u0107uje komunikaciju razli\u010ditih ra\u010dunala i sustava, interledger omogu\u0107uje komunikaciju izme\u0111u povezanih knjiga, smanjuju\u0107i tro\u0161kove i dugotrajan proces postoje\u0107ih prekograni\u010dnih transakcija.<\/p>\n\n\n\n<p>Sudjeluju\u0107e knjige mogu koristiti mre\u017ee financijskih institucija ili postati dio mre\u017ee pouzdanih \u010dvorova. Kada se platna transakcija pokrene, mre\u017ea RippleNet <strong>automatski pronalazi najbr\u017ei na\u010din prijenosa vrijednosti <\/strong>izme\u0111u banaka po\u0161iljatelja i primatelja te izra\u010dunava tro\u0161ak pla\u0107anja. To \u010dini nakon procjene uskla\u0111enosti i verifikacije ra\u010duna koju provodi svaka banka putem postoje\u0107ih vrsta poruka kao \u0161to su SWIFT FIN ili ISO 20020, \u010dime se unaprijed potvr\u0111uje pla\u0107anje i omogu\u0107uje nesmetan prijenos.<\/p>\n\n\n<div id=\"ub_divider_cc5f23b7-d603-49de-b538-301d6eab2a4e\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"2-brze-i-u%C4%8Dinkovite-transakcije-\"><strong>Brze i u\u010dinkovite transakcije<\/strong><\/h2>\n\n\n\n<p>Jedna od klju\u010dnih zna\u010dajki mre\u017ee RippleNet je stoga mogu\u0107nost obrade transakcija u gotovo stvarnom vremenu. Kada <strong>financijska institucija \u017eeli <\/strong>poslati me\u0111unarodnu uplatu putem mre\u017ee RippleNet, postupak je jednostavan:<\/p>\n\n\n\n<div class=\"wp-block-group has-mercury-clouds-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list\">\n<li><strong>Po\u010detak<\/strong>: Banka po\u0161iljatelj nala\u017ee transakciju pla\u0107anja u svojoj mati\u010dnoj valuti. Transakcija se zatim proslje\u0111uje mre\u017ei RippleNet putem pristupnika pla\u0107anja.<\/li>\n\n\n\n<li><strong>Potvrda<\/strong>: \u010cvorovi za potvrdu primaju transakciju i potvr\u0111uju njezin integritet kroz proces konsenzusa. Ova faza eliminira potrebu za posrednikom, pa su transakcije u\u010dinkovitije i jeftinije.<\/li>\n\n\n\n<li><strong>Pretvori u XRP<\/strong>: Potvr\u0111ena transakcija pretvara se u XRP. Kori\u0161tenje XRP-a kao valute za premo\u0161\u0107ivanje eliminira potrebu za unaprijed financiranim rezervnim ra\u010dunima u razli\u010ditim valutama, dodatno smanjuju\u0107i tro\u0161kove.<\/li>\n\n\n\n<li><strong>Prijenos<\/strong>: XRP se \u0161alje preko mre\u017ee Ripple u sekundi, bez obzira na geografsku udaljenost izme\u0111u po\u0161iljatelja i primatelja.<\/li>\n\n\n\n<li><strong>Pretvorba u valutu primatelja<\/strong>: Banka primatelj prima XRP, koji se zatim pretvara u lokalnu valutu primatelja.<\/li>\n\n\n\n<li><strong>Dostupnost sredstava<\/strong>: Konvertirana sredstva odmah su dostupna na ra\u010dunu primatelja, \u010dime je transakcija dovr\u0161ena.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<div id=\"ub_divider_46919e7a-0edb-4109-ad07-46b3e9abde46\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"3-povijest-\"><strong>Povijest<\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"300\" src=\"https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/ripple-isto.png\" alt=\"\" class=\"wp-image-3741\" srcset=\"https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/ripple-isto.png 1000w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/ripple-isto-300x90.png 300w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/ripple-isto-768x230.png 768w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/ripple-isto-133x40.png 133w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/ripple-isto-107x32.png 107w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/ripple-isto-267x80.png 267w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/ripple-isto-450x135.png 450w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p>Po\u010deci Ripple projekta se\u017eu u 2004. godinu, kada je ideja planula u glavi web programera Ryana Fuggera. Zamislio je <strong>decentralizirani monetarni sustav<\/strong> u kojem bi zajednice mogle stvarati vlastiti novac. Ova ideja dovela je do stvaranja RipplePaya, financijske usluge koja bi omogu\u0107ila <a href=\"https:\/\/sportske-kladionice.com\/bitcoin-kladionice\/\" target=\"_blank\" rel=\"noreferrer noopener\">sigurne opcije pla\u0107anja<\/a> za online zajednice preko globalne mre\u017ee. Ali koncept nije do\u017eivio zna\u010dajne promjene nekoliko godina.<\/p>\n\n\n\n<p>Zatim, 2012. godine, grupa ra\u010dunalnih in\u017eenjera David Schwartz, Jed McCaleb i Arthur Britto bili su inspirirani Bitcoinom i htjeli su pro\u0161iriti koncept na <strong>odr\u017eiviji sustav za slanje vrijednosti bez faktora rudarenja<\/strong>. Preko svoje tvrtke OpenCoin kupili su RipplePay i transformirali ga u Ripple kakav danas poznajemo.<\/p>\n\n\n<div id=\"ub_divider_acd61f5e-9236-4863-aa31-740341f7ef6f\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"4-ripple-labs-\"><strong>Ripple Labs<\/strong><\/h3>\n\n\n\n<p>OpenCoin je 2013. preimenovan u Ripple Labs Inc. Ovim rebrandingom uvedena je i kriptovaluta XRP. Cilj je bio omogu\u0107iti trenutne, izravne prijenose izme\u0111u dviju strana u bilo kojoj valuti, <strong>pri \u010demu je XRP postao klju\u010dan<\/strong>. Kriptovaluta je zami\u0161ljena kao izvorna digitalna imovina za XRP Ledger, blockchain protokol otvorenog koda.<\/p>\n\n\n\n<p>Nakon pokretanja XRP knjige, njeni programeri <strong>ponudili su Rippleu 80 milijardi tokena<\/strong> za podr\u0161ku kriptovalute. Ripple se pobrinuo za dosljednu prodaju XRP-a tijekom vremena, koriste\u0107i ga za pove\u0107anje likvidnosti i uspostavljanje robusnih XRP tr\u017ei\u0161ta.<\/p>\n\n\n\n<p>Jedan od osniva\u010da Ripplea, Jed McCaleb, napustio je tvrtku 2014. i po\u010deo graditi sli\u010dnu mre\u017eu <strong>pod nazivom<\/strong> <strong>Stellar (XLM)<\/strong>. Prije odlaska iz tvrtke dobio je 9 milijardi XRP kao nagradu za razvoj i osnivanje tvrtke koju je, kako je rekao, prodao.<\/p>\n\n\n\n<script type=\"text\/javascript\" src=\"https:\/\/files.coinmarketcap.com\/static\/widget\/currency.js\"><\/script><div class=\"coinmarketcap-currency-widget\" data-currencyid=\"52\" data-base=\"USD\" data-secondary=\"\" data-ticker=\"true\" data-rank=\"true\" data-marketcap=\"true\" data-volume=\"true\" data-statsticker=\"true\" data-stats=\"USD\"><\/div>\n\n\n<div id=\"ub_divider_f64f3392-cd8f-41c8-8287-f0f6d531b96b\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"5-ripplenet-\"><strong>RippleNET<\/strong><\/h3>\n\n\n\n<p>Ubrzo nakon toga, pokrenut je RippleNet, mre\u017ea institucionalnih pru\u017eatelja pla\u0107anja kao \u0161to su banke i tvrtke za nov\u010dane usluge<strong> koje koriste Rippleovu tehnologiju<\/strong> za pru\u017eanje jednostavnih prijenosa novca diljem svijeta. RippleNet ozna\u010dio je va\u017ean korak prema ostvarenju Rippleove vizije interneta vrijednosti u kojem bi se novac kretao jednako lako kao i informacije.<\/p>\n\n\n<div id=\"ub_divider_539e5b90-2a5f-46b5-b9db-7812c16e9603\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"6-zaklada-xrpl-\"><strong>Zaklada XRPL<\/strong><\/h3>\n\n\n\n<p>Slede\u0107i korak je bio <strong>osnovanje je neovisne i neprofitne<\/strong> <strong>zaklade XRPL <\/strong>za promicanje rasta i usvajanja decentralizirane knjige XRP. Prikupio je 6,5 milijuna dolara za osnivanje XRP fonda zajednice i pobolj\u0161anje infrastrukture XRP knjige.<\/p>\n\n\n<div id=\"ub_divider_c6b361f4-426a-4599-994f-238ed9389ab0\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"7-klju%C4%8Dne-prekretnice-\"><strong>Klju\u010dne prekretnice<\/strong>:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u231b <strong>2004<\/strong>: Jed McCaleb i Chris Larsen osnovali su OpenCoin, tvrtku koja je na kraju postala Ripple.<\/td><\/tr><tr><td>\u231b <strong>2012<\/strong>: OpenCoin objavljuje prvu verziju Ripple protokola.<\/td><\/tr><tr><td>\u231b <strong>2013<\/strong>: Osnovan je Ripple Labs i pu\u0161ten je XRP token.<\/td><\/tr><tr><td>\u231b <strong>2014<\/strong>: Ripple Labs prikupio je 20 milijuna dolara u rundi financiranja serije A.<\/td><\/tr><tr><td>\u231b <strong>2016<\/strong>: Ripple Labs najavio je partnerstvo s MoneyGramom za kori\u0161tenje XRP-a za prekograni\u010dna pla\u0107anja.<\/td><\/tr><tr><td>\u231b <strong>2017<\/strong>: Tijekom uspona kriptovalute krajem 2017. i po\u010detkom 2018., cijena XRP-a naglo je porasla, dosegnuv\u0161i najvi\u0161u vrijednost svih vremena od 3,84 USD u sije\u010dnju 2018. godine.<\/td><\/tr><tr><td>\u231b <strong>2020: <\/strong>Ameri\u010dka Komisija za vrijednosne papire i razmjenu (SEC) tu\u017ei Ripple Labs zbog prodaje neregistriranih vrijednosnih papira. To je dovelo do masovne rasprodaje XRP tokena.<\/td><\/tr><tr><td>\u231b <strong>2023<\/strong>: Dana 13. srpnja 2023. Okru\u017eni sud SAD-a presudio je da prodaja XRP tokena na javnim burzama ne predstavlja investicijske ugovore, ozna\u010davaju\u0107i pobjedu Ripplea.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div id=\"ub_divider_f582f749-b4d0-4341-83a3-26375faee3c0\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"8-%C5%A1to-je-xrp-\"><strong>\u0160to je XRP?<\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"300\" src=\"https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp.png\" alt=\"\" class=\"wp-image-3742\" srcset=\"https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp.png 1000w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-300x90.png 300w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-768x230.png 768w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-133x40.png 133w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-107x32.png 107w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-267x80.png 267w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-450x135.png 450w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p>Klju\u010dno je ra\u0161\u010distiti uobi\u010dajenu pogre\u0161ku. Ripple i XRP nisu me\u0111usobno zamjenjivi pojmovi. Ripple je tvrtka koja je kreirala i odr\u017eava Ripple protokol pla\u0107anja i mre\u017eu, <strong>a XRP je kriptovaluta koja funkcionira unutar tog sustava<\/strong>. XRP je dizajniran s odre\u0111enom svrhom na umu: omogu\u0107iti br\u017ee i u\u010dinkovitije prekograni\u010dne transakcije. Kao valuta za premo\u0161\u0107ivanje unutar ekosustava pla\u0107anja Ripple, XRP poku\u0161ava rije\u0161iti probleme tradicionalnih financija.<\/p>\n\n\n\n<p>Me\u0111utim, imovina premo\u0161tena XRP-om mo\u017ee predstavljati rizik za financijske institucije koje ovise o mre\u017ei Ripple za pru\u017eanje potrebne likvidnosti za prijenos. Kori\u0161tenje XRP-a i drugih kriptovaluta za prijenose jo\u0161 je riskantnije s obzirom na njihovu volatilnost, \u0161to ih \u010dini neprikladnim jedinicama razmjene. Rippleova &#8220;prodajna to\u010dka&#8221; za XRP oduvijek su bile <strong>njegove minimalne naknade za transakcije i status brze transakcije<\/strong>. Minimalna transakcijska naknada koju mre\u017ea zahtijeva za standardnu transakciju je 0,00002 XRP.<\/p>\n\n\n<div id=\"ub_divider_bfa66d02-555b-4390-9341-32f7d06e7c31\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"9-za-razliku-od-bitcoina-xrp-ne-zahtijeva-rudarenje-\"><strong>Za razliku od Bitcoina, XRP ne zahtijeva rudarenje<\/strong><\/h3>\n\n\n\n<p>Za razliku od mnogih kriptovaluta <a href=\"https:\/\/www.joker.gg\/hr\/cijena-bitcoina-2024-predikcije\/\">kao \u0161to je Bitcoin<\/a>, XRP tokeni se ne rudare. Ripple Labs iskovao je cjelokupnu ponudu od <strong>100 milijardi XRP tokena <\/strong>na po\u010detku mre\u017ee. Ovo prethodno rudarenje zna\u010di da stvaranje novih tokena ne zahtijeva proces rudarenja koji zahtijeva mnogo resursa, \u0161to XRP \u010dini druga\u010dijim u prostoru kriptovaluta.<\/p>\n\n\n\n<p>Kao i druge kriptovalute, Rippleov blockchain odr\u017eava nepromjenjivu evidenciju transakcija u XRP Ledgeru. Glavna knjiga XRPL tako\u0111er je odgovorna za bilje\u017eenje transakcijskih podataka kao \u0161to su stanja, ra\u010duni i prijenosi i kriptografski je za\u0161ti\u0107ena parovima klju\u010deva (<strong>privatni i javni klju\u010devi<\/strong>). Vlasnici privatnog klju\u010da jedini mogu odobriti transakcije. XRP transakcije se namiruju u nekoliko sekundi, omogu\u0107uju\u0107i pla\u0107anja u lokalnoj valuti za obje strane i omogu\u0107uju\u0107i institucijama da premoste valute. Transakcije provjerava mre\u017ea od preko 150 validatora (poslu\u017eitelja), koji mogu biti nagra\u0111eni mjestom na Rippleovoj listi jedinstvenih \u010dvorova.<\/p>\n\n\n<div id=\"ub_divider_ef1e1de6-0172-4ee7-8671-a78aa9df8a7e\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"10-gdje-mogu-kupiti-xrp-\"><strong>Gdje mogu kupiti XRP?<\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"300\" src=\"https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-kupiti.png\" alt=\"\" class=\"wp-image-3743\" srcset=\"https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-kupiti.png 1000w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-kupiti-300x90.png 300w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-kupiti-768x230.png 768w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-kupiti-133x40.png 133w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-kupiti-107x32.png 107w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-kupiti-267x80.png 267w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-kupiti-450x135.png 450w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p>Kao i kod kupnje ve\u0107ine kriptovaluta, mo\u017eete zamijeniti BCH za fiat valute poput eura i <a href=\"https:\/\/www.joker.gg\/hr\/kriptovalute\/novcanik\/\">pohraniti u kripto nov\u010danike<\/a>. Budu\u0107i da je XRP <strong>me\u0111u 10 najboljih kriptovaluta prema tr\u017ei\u0161noj kapitalizaciji<\/strong> (na 7. mjestu u vrijeme pisanja) i budu\u0107i da je nedavno dobio tu\u017ebu protiv SEC-a, mo\u017eete trgovati kriptovalutom na svim ve\u0107im kripto burzama, kao \u0161to su Binance, Coinbase , Kraken, i KuCoin.<\/p>\n\n\n\n<p>Primjer: Kupnja BCH na <a href=\"https:\/\/www.joker.gg\/review\/binance\/\" target=\"_blank\" rel=\"noreferrer noopener\">kripto mjenja\u010dnici Binance<\/a> vr\u0161i se na sljede\u0107i na\u010din:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>\u2705 Napravite ra\u010dun na Binanceu,<\/td><\/tr><tr><td>\u2705 Kliknite &#8220;Kupi kripto&#8221; i odaberite kako \u017eelite obaviti svoju Ripple (XRP) kupnju. Dostupni su kreditna ili debitna kartica, SEPA bankovni prijenos, kripto prijenosi ili prijenosi tre\u0107ih strana,<\/td><\/tr><tr><td>\u2705 Potvrdite transakciju,<\/td><\/tr><tr><td>\u2705 \u010cestitamo, sada imate XRP u svom kripto nov\u010daniku.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div id=\"ub_divider_a098265f-4415-4400-84d6-f6efc09667c1\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"11-gdje-mogu-pohraniti-xrp-tokene-\"><strong>Gdje mogu pohraniti XRP tokene?<\/strong><\/h3>\n\n\n\n<p>Dostupni su mnogi kripto nov\u010danici, a osim toga, <strong>svaka kripto mjenja\u010dnica<\/strong> automatski kreira nov\u010danik za svakoga nakon registracije.<\/p>\n\n\n<div id=\"ub_divider_5ee801bc-bf15-4f9a-969e-297864507777\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"12-je-li-xrp-dobra-investicija-\"><strong>Je li XRP dobra investicija?<\/strong><\/h2>\n\n\n\n<p>Nikada ne postoji jamstvo da je investicija sigurna ili isplativa, pogotovo kada su u pitanju kriptovalute. Me\u0111utim, postoje neki elementi koje investitor mo\u017ee uzeti u obzir kako bi procijenio je li XRP prikladno ulaganje ili ne. Unato\u010d svom primarnom cilju revolucioniranja me\u0111unarodnih pla\u0107anja i doznaka, <strong>XRP tek treba u\u0107i u glavnu upotrebu<\/strong>. Financijske institucije koje su izrazile interes za Ripple i njegovu tehnologiju jo\u0161 uvijek testiraju mre\u017eu \u2013 ali istina je da ih je sve vi\u0161e i nedavna pobjeda nad SEC-om ohrabruju\u0107a je velika vijest za Ripple.<\/p>\n\n\n<div id=\"ub_divider_6c16734e-8374-4c9b-8f12-e66f3a1a93cc\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"13-ripple-slu%C4%8Dajevi-prakti%C4%8Dne-upotrebe-\"><strong>Ripple: Slu\u010dajevi prakti\u010dne upotrebe<\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"300\" src=\"https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-upotreba.png\" alt=\"\" class=\"wp-image-3744\" srcset=\"https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-upotreba.png 1000w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-upotreba-300x90.png 300w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-upotreba-768x230.png 768w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-upotreba-133x40.png 133w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-upotreba-107x32.png 107w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-upotreba-267x80.png 267w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-upotreba-450x135.png 450w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p>Potencijal Ripplea i kriptovalute XRP <strong>privukao je pozornost financijskih institucija<\/strong> diljem svijeta. Ispod je nekoliko prakti\u010dnih primjera kori\u0161tenja Ripple sustava:<\/p>\n\n\n\n<div class=\"wp-block-group has-mercury-clouds-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list\">\n<li><strong>Santander<\/strong>: Santander, jedna od najve\u0107ih banaka na svijetu, u partnerstvu s Rippleom pokrenula je One Pay FX, prvu mobilnu aplikaciju za prekograni\u010dna pla\u0107anja pomo\u0107u Rippleove tehnologije xCurrent. xCurrent pru\u017ea end-to-end pra\u0107enje prekograni\u010dnih transfera, osigurava transparentnost transakcija i omogu\u0107uje korisnicima neometano slanje me\u0111unarodnih pla\u0107anja. Aplikacija omogu\u0107uje klijentima u \u0160panjolskoj, Ujedinjenom Kraljevstvu, Brazilu i Poljskoj da izvr\u0161e me\u0111unarodne transfere istog ili sljede\u0107eg dana &#8211; veliko pobolj\u0161anje u odnosu na standardno vrijeme obrade me\u0111unarodnih transakcija od 3-5 dana.<\/li>\n\n\n\n<li><strong>Standard Chartered<\/strong>: Britanska multinacionalna tvrtka za bankarstvo i financijske usluge udru\u017eila se s Rippleom kako bi pokrenula novo rje\u0161enje za pla\u0107anje. Partnerstvo omogu\u0107uje &#8220;\u017eiva&#8221; prekograni\u010dna pla\u0107anja bez trenja i produbljuje mogu\u0107nosti fintecha. Uz pomo\u0107 mre\u017ee Ripple, Standard Chartered je uspio uvelike pojednostaviti i ubrzati svoj globalni sustav pla\u0107anja.<\/li>\n\n\n\n<li><strong>American Express<\/strong>: Kao dio partnerstva, American Express \u0107e koristiti tehnologiju Ripple za obradu prekograni\u010dnih pla\u0107anja izme\u0111u svojih poslovnih korisnika.<\/li>\n\n\n\n<li><strong>SBI Remit<\/strong>: U Japanu tehnologiju Ripple koristi SBI Remit, koji nudi <strong>usluge doznaka izme\u0111u Japana i Tajlanda <\/strong>. U suradnji sa Siam Commercial Bank u Tajlandu, usluga omogu\u0107uje gra\u0111anima Tajlanda koji \u017eive u Japanu br\u017ee i jeftinije slanje novca ku\u0107i. S obzirom da Japan ima najve\u0107u tajlandsku populaciju izvan Tajlanda, ova je usluga imala zna\u010dajan utjecaj na veliku zajednicu.<\/li>\n\n\n\n<li><strong>PNC Bank<\/strong>: PNC Bank je postala prva velika ameri\u010dka banka koja je po\u010dela koristiti mre\u017eu RippleNet za prekograni\u010dna pla\u0107anja. Pridru\u017eivanjem mre\u017ei RippleNet, klijenti PNC banke mogu odmah primati uplate iz inozemstva, mijenjaju\u0107i na\u010din na koji upravljaju svojim globalnim potra\u017eivanjima i omogu\u0107uju\u0107i im bolje upravljanje svojim obrtnim kapitalom.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<div id=\"ub_divider_c1693661-85d6-49fc-9c70-52d564bbac3c\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"14-ripple-prednosti-\"><strong>Ripple: Prednosti<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-group has-mercury-clouds-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list\">\n<li><strong>Brzina i skalabilnost<\/strong>: Jedna od najatraktivnijih zna\u010dajki Ripplea je brzina transakcija. XRP Ledger mo\u017ee obraditi transakcije za samo tri do pet sekundi, \u0161to je mnogo br\u017ee od Bitcoina, Ethereuma, pa \u010dak i nekih tradicionalnih bankarskih sustava. Osim toga, mo\u017ee obraditi \u010dak 1500 transakcija u sekundi, a taj se broj mo\u017ee pove\u0107avati kako mre\u017ea raste.<\/li>\n\n\n\n<li><strong>Jeftine transakcije<\/strong>: u usporedbi s tradicionalnim bankarskim sustavima, pa \u010dak i drugim kriptovalutama, Ripple se mo\u017ee pohvaliti nevjerojatno niskim naknadama za transakcije. Ova je zna\u010dajka posebno korisna za me\u0111unarodne prijenose gdje tro\u0161kovi transakcije mogu biti visoki.<\/li>\n\n\n\n<li><strong>Primjenjivost u tradicionalnom financijskom sustavu<\/strong>: XRP igra va\u017enu ulogu u ekosustavu Ripple kao valuta mosta za brz i u\u010dinkovit prekograni\u010dni prijenos vrijednosti. Omogu\u0107uje financijskim institucijama globalni prijenos novca bez potrebe za prethodnim financiranjem, smanjuju\u0107i vrijeme i tro\u0161kove povezane s me\u0111unarodnim transakcijama. Ripple je tako ve\u0107 uspje\u0161no sklopio partnerstva s vi\u0161e od 300 financijskih institucija diljem svijeta, uklju\u010duju\u0107i American Express i Santander.<\/li>\n\n\n\n<li><strong>Ekolo\u0161ki projekt<\/strong>: Za razliku od Bitcoina i nekih drugih kriptovaluta, XRP se ne rudari. To zna\u010di da ne zahtijeva ogromnu ra\u010dunalnu snagu i energiju koju zahtijeva rudarenje, \u0161to ga \u010dini ekolo\u0161ki prihvatljivijim izborom u svijetu digitalne imovine.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<div id=\"ub_divider_bc0afce3-d9c9-43cc-99fd-f30c79355151\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"15-ripple-nedostaci-\"><strong>Ripple: Nedostaci<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-group has-mercury-clouds-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list\">\n<li><strong>Zabrinutost oko centralizacije<\/strong>: Jedna od glavnih kritika upu\u0107enih Rippleu i XRP-u je percipirana razina centralizacije. Za razliku od Bitcoina, koji je potpuno decentraliziran i radi bez regulatornog tijela, Ripple Labs posjeduje zna\u010dajnu koli\u010dinu XRP-a. Ova koncentracija vlasni\u0161tva izazvala je zabrinutost zbog mogu\u0107nosti manipulacije.<\/li>\n\n\n\n<li><strong>Regulatorna nesigurnost<\/strong>: XRP se suo\u010dava sa zna\u010dajnim regulatornim nadzorom, prvenstveno od strane Komisije za vrijednosne papire i burzu SAD-a (SEC). Unato\u010d \u010dinjenici da je Ripple dobio ovu bitku u srpnju 2023., to ne zna\u010di da se ne bi mogao ponovno na\u0107i na udaru (kao i cijelo tr\u017ei\u0161te kriptovaluta).<\/li>\n\n\n\n<li><strong>Ograni\u010deno usvajanje XRP -a<\/strong>: Iako je RippleNet, Rippleova globalna mre\u017ea pla\u0107anja, \u0161iroko prihva\u0107ena, isto se ne mo\u017ee re\u0107i za XRP. Mnogi Rippleovi bankovni partneri koriste RippleNet protokol pla\u0107anja, ali ne koriste XRP za likvidnost. Ova razlika mo\u017ee utjecati na budu\u0107u vrijednost i potencijal XRP-a.<\/li>\n\n\n\n<li><strong>Ovisnost o Ripple Labsu<\/strong>: uspjeh XRP-a usko je povezan s uspjehom Ripple Labsa. Iako ovo ima svoje prednosti, to tako\u0111er zna\u010di da sve negativne vijesti o tvrtki (kao \u0161to su gore spomenuta pravna pitanja) mogu izravno utjecati na vrijednost i percepciju XRP-a.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n<div id=\"ub_divider_5ce7aa35-e324-47d3-b176-7516112b4c26\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"16-ripple-i-tu%C5%BEba-sec-a-\"><strong>Ripple i tu\u017eba SEC-a<\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"300\" src=\"https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-sec.png\" alt=\"\" class=\"wp-image-3745\" srcset=\"https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-sec.png 1000w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-sec-300x90.png 300w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-sec-768x230.png 768w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-sec-133x40.png 133w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-sec-107x32.png 107w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-sec-267x80.png 267w, https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2025\/04\/xrp-sec-450x135.png 450w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p>Dana 13. srpnja 2023. godine, ameri\u010dka okru\u017ena sutkinja Sarah Netburn presudila je da prodaja XRP tokena na javnim burzama ne predstavlja investicijske ugovore, koji su vrsta vrijednosnog papira prema ameri\u010dkom zakonu. Ovo je bila <strong>velika pobjeda za Ripple<\/strong> jer je otvorio put tvrtki da preprodaje XRP bez da ga registrira kao vrijednosni papir. Kao rezultat toga, cijena XRP-a sko\u010dila je za 96% u jednom danu.<\/p>\n\n\n\n<p>Me\u0111utim, SEC je tako\u0111er ostvario <strong>djelomi\u010dnu pobjedu u slu\u010daju<\/strong>. Sudac je presudio da je XRP vrijednosni papir kada se prodaje institucionalnim ulaga\u010dima jer je zadovoljio Howey test. To zna\u010di da SEC jo\u0161 uvijek mo\u017ee kazneno goniti Ripple zbog prodaje XRP-a institucionalnim investitorima bez da ga je registrirao kao vrijednosni papir.<\/p>\n\n\n<div id=\"ub_divider_1ec9fe7c-0a0c-422a-8c88-3f2c23f22d49\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"17-kad-podvu%C4%8Demo-crtu-\"><strong>Kad podvu\u010demo crtu<\/strong><\/h2>\n\n\n\n<p>Smanjenjem broja posrednika i kori\u0161tenjem XRP-a kao valute za premo\u0161\u0107ivanje, RippleNet mo\u017ee zna\u010dajno smanjiti tro\u0161kove i trajanje me\u0111unarodnih transakcija. Njegova upotreba tehnologije inspirirane blockchainom tako\u0111er osigurava transparentnost i sljedivost, rje\u0161avaju\u0107i uobi\u010dajene probleme prijevara i nesporazuma u tradicionalnim sustavima doznaka. U osnovi, RippleNet je pouzdano rje\u0161enje osmi\u0161ljeno za modernizaciju financijske industrije. To je sna\u017ean primjer kako blockchain tehnologija mo\u017ee pobolj\u0161ati na\u0161e postoje\u0107e financijske sustave, pojednostavljuju\u0107i procese i \u010dine\u0107i me\u0111unarodne prijenose novca brzima i lakima poput slanja tekstualnih poruka.<\/p>\n\n\n<div id=\"ub_divider_2e8386e9-0b8a-4faa-8bea-c0f79e180ece\"><hr class=\"ub_divider\" ><\/hr><\/div>\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"18-podelite-na%C5%A1-sadr%C5%BEaj-na-dru%C5%A1tvenim-mre%C5%BEama\">Podelite na\u0161 sadr\u017eaj na dru\u0161tvenim mre\u017eama:<\/h3>\n\n\n<div class=\"wp-block-ub-social-share\" id=\"ub-social-share-5905082b-d1dc-4c7d-9785-326a5f829717\">\n\t\t<div class=\"social-share-icons align-icons-center orientation-icons-row\"><a aria-label=\"facebook-logo\" target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.joker.gg%2Fhr%2Fkriptovalute%2Fripple%2F&#038;title=%C5%A0to%20je%20Ripple%20%28XRP%29%3F\" 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31.5-99.7-23.8-99.7zM129.4 308.9c0-22 17.6-39.7 39.7-39.7 21.6 0 39.2 17.6 39.2 39.7 0 21.6-17.6 39.2-39.2 39.2-22 .1-39.7-17.6-39.7-39.2zm214.3 93.5c-36.4 36.4-139.1 36.4-175.5 0-4-3.5-4-9.7 0-13.7 3.5-3.5 9.7-3.5 13.2 0 27.8 28.5 120 29 149 0 3.5-3.5 9.7-3.5 13.2 0 4.1 4 4.1 10.2.1 13.7zm-.8-54.2c-21.6 0-39.2-17.6-39.2-39.2 0-22 17.6-39.7 39.2-39.7 22 0 39.7 17.6 39.7 39.7-.1 21.5-17.7 39.2-39.7 39.2z\" \/><\/svg><\/span><span>post<\/span><\/a><a aria-label=\"tumblr-logo\" target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/www.tumblr.com\/widgets\/share\/tool?canonicalUrl=https%3A%2F%2Fwww.joker.gg%2Fhr%2Fkriptovalute%2Fripple%2F&#038;title=%C5%A0to%20je%20Ripple%20%28XRP%29%3F\" class=\"ub-social-share-tumblr-container\">\n\t\t<span class=\"social-share-icon ub-social-share-tumblr\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"fill:#001935\" fill=\"#001935\" width=\"20\" height=\"20\" viewBox=\"0 0 320 512\"><path d=\"M309.8 480.3c-13.6 14.5-50 31.7-97.4 31.7-120.8 0-147-88.8-147-140.6v-144H17.9c-5.5 0-10-4.5-10-10v-68c0-7.2 4.5-13.6 11.3-16 62-21.8 81.5-76 84.3-117.1.8-11 6.5-16.3 16.1-16.3h70.9c5.5 0 10 4.5 10 10v115.2h83c5.5 0 10 4.4 10 9.9v81.7c0 5.5-4.5 10-10 10h-83.4V360c0 34.2 23.7 53.6 68 35.8 4.8-1.9 9-3.2 12.7-2.2 3.5.9 5.8 3.4 7.4 7.9l22 64.3c1.8 5 3.3 10.6-.4 14.5z\" \/><\/svg><\/span><span>share<\/span><\/a><\/div>\n\t<\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"19-%C4%8Desto-postavljana-pitanja\">\u010cesto postavljana pitanja<\/h2>\n\n\n<div class=\"wp-block-ub-content-toggle\" id=\"ub-content-toggle-29729407-21ab-4dc3-afac-a64d70fbb4d4\" data-mobilecollapse=\"true\" data-desktopcollapse=\"true\">\n<div class=\"wp-block-ub-content-toggle-accordion\">\n                <div class=\"wp-block-ub-content-toggle-accordion-title-wrap\"\" aria-controls=\"ub-content-toggle-panel-0-29729407-21ab-4dc3-afac-a64d70fbb4d4\" tabindex=\"0\">\n                    <p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-29729407-21ab-4dc3-afac-a64d70fbb4d4\"><strong>\u0160to je Ripple?<\/strong><\/p><div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span>\n                    <\/div><\/div><div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-0-29729407-21ab-4dc3-afac-a64d70fbb4d4\">\n\n<p>Ripple je digitalni protokol pla\u0107anja. Razvio ga je Ripple Labs Inc., tehnolo\u0161ka tvrtka specijalizirana za razvoj i distribuciju sustava bruto poravnanja u stvarnom vremenu, mjenja\u010dnica i mre\u017ea doznaka.<\/p>\n\n<\/div><\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\">\n                <div class=\"wp-block-ub-content-toggle-accordion-title-wrap\"\" aria-controls=\"ub-content-toggle-panel-1-29729407-21ab-4dc3-afac-a64d70fbb4d4\" tabindex=\"0\">\n                    <p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-29729407-21ab-4dc3-afac-a64d70fbb4d4\"><strong>\u0160to je XRP?<\/strong><\/p><div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span>\n                    <\/div><\/div><div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-1-29729407-21ab-4dc3-afac-a64d70fbb4d4\">\n\n<p>XRP je izvorna kriptovaluta mre\u017ee Ripple. Slu\u017ei kao valuta mosta u mre\u017ei, omogu\u0107uju\u0107i brze i jeftine me\u0111unarodne prijenose novca.<\/p>\n\n<\/div><\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\">\n                <div class=\"wp-block-ub-content-toggle-accordion-title-wrap\"\" aria-controls=\"ub-content-toggle-panel-2-29729407-21ab-4dc3-afac-a64d70fbb4d4\" tabindex=\"0\">\n                    <p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-29729407-21ab-4dc3-afac-a64d70fbb4d4\"><strong>\u0160to Ripple \u010dini jedinstvenim?<\/strong><\/p><div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span>\n                    <\/div><\/div><div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-2-29729407-21ab-4dc3-afac-a64d70fbb4d4\">\n\n<p>Za razliku od mnogih drugih kriptovaluta, Ripple nije dizajniran da zamijeni tradicionalne valute, ve\u0107 da ih nadopuni dopu\u0161taju\u0107i njihov jednostavan prijenos. Posebno se usredoto\u010duje na rje\u0161avanje problema u me\u0111unarodnom bankarskom sustavu, kao \u0161to su ka\u0161njenja u prijenosu novca i visoke transakcijske naknade.<\/p>\n\n<\/div><\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\">\n                <div class=\"wp-block-ub-content-toggle-accordion-title-wrap\"\" aria-controls=\"ub-content-toggle-panel-3-29729407-21ab-4dc3-afac-a64d70fbb4d4\" tabindex=\"0\">\n                    <p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-29729407-21ab-4dc3-afac-a64d70fbb4d4\"><strong>Je li XRP dobra investicija?<\/strong><\/p><div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span>\n                    <\/div><\/div><div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-3-29729407-21ab-4dc3-afac-a64d70fbb4d4\">\n\n<p>Ulaganje u bilo koju kriptovalutu, uklju\u010duju\u0107i XRP, dolazi s rizicima i potencijalnim nagradama. XRP je iskusio razdoblja velike volatilnosti cijena. Ako ga financijske institucije prihvate za me\u0111unarodne doznake, njegova bi se vrijednost mogla pove\u0107ati, ali regulatorna kontrola mogla bi negativno utjecati na cijenu XRP-a. Kao i sa svakim drugim ulaganjem, potencijalni ulaga\u010di trebaju obaviti dubinsku analizu i razmotriti svoju toleranciju na rizik prije ulaganja u XRP.<\/p>\n\n<\/div><\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\">\n                <div class=\"wp-block-ub-content-toggle-accordion-title-wrap\"\" aria-controls=\"ub-content-toggle-panel-4-29729407-21ab-4dc3-afac-a64d70fbb4d4\" tabindex=\"0\">\n                    <p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-29729407-21ab-4dc3-afac-a64d70fbb4d4\"><strong>Mogu li rudariti XRP kao Bitcoin?<\/strong><\/p><div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span>\n                    <\/div><\/div><div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-4-29729407-21ab-4dc3-afac-a64d70fbb4d4\">\n\n<p>Ne, ne mo\u017eete rudariti XRP. Za razliku od Bitcoina, koji se oslanja na rudarenje za izdavanje novih kovanica i osiguranje mre\u017ee, svi XRP kovanice &#8211; 100 milijardi &#8211; izdani su odjednom kada je mre\u017ea uspostavljena.<\/p>\n\n<\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>U svijetu kriptovaluta, Ripple (XRP) je stari veteran koji je godinama hodao uz Bitcoin (BTC) i Ethereum (ETH) zbog svog ogromnog potencijala sve dok nije nai\u0161ao na probleme s ameri\u010dkim SEC-om. Sada je dobio parnicu protiv ovog tijela i ponovno mo\u017ee \u017eivjeti svoj potencijal. Ovaj vodi\u010d \u0107e vam re\u0107i sve \u0161to trebate znati o Rippleu. [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3216,"parent":616,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ub_ctt_via":"","footnotes":""},"class_list":["post-2026","page","type-page","status-publish","has-post-thumbnail","hentry"],"featured_image_src":"https:\/\/www.joker.gg\/hr\/wp-content\/uploads\/2024\/04\/Sta-je-RIPPLE-JOKER.jpg","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0160to je Ripple (XRP)? - Joker.gg<\/title>\n<meta name=\"description\" content=\"U svijetu kriptovaluta, Ripple (XRP) je stari veteran koji je godinama hodao uz Bitcoin (BTC) i Ethereum (ETH) zbog svog ogromnog potencijala\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.joker.gg\/hr\/kriptovalute\/ripple\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0160to je Ripple (XRP)? 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