But this leads to
delaying other financial goals, like building an emergency savings, paying down credit card debt, or saving for a larger objective like a home purchase or retirement.
According to its website, the
goal of the ripple system is to enable people to break free of the «walled gardens» of
financial networks — i.e., PayPal, banks, credit cards and
other institutions that restrict access with fees, process
delays, and charge for currency exchanges.