Deep on Ripple (XRP), Decide what to do with this article.

Before Ripple, and in fact, before even bitcoin launched, Ripplepay was a peer-to-peer payment network created by Ryan Fugger around 2004. This old website, which for some reason still exists, explains it in very simple terms.

http://www.coindesk.com/ripples-xrp-giving-third-largest-cryptocurrency-second-look/