I've been researching Ripple - and I'm still not clear on whether or not this is another alt-coin or something completely different. The best explanation I read was likening XRP to a USPO stamp. Users of Ripple exchange will need XRP to transfer BTC / USD / Etc. at a much MUCH lower fee than traditional avenues. Anyway...this is probably in the wrong thread - chalk it up to a newbie!

Regardless...loving this stuff!