Prelude: The Genesis of the SEC vs Ripple Clash The origins of the SEC’s legal crusade against Ripple can be traced back to its inception in 2012. Ripple, a San Francisco-based fintech company, introduced the XRP digital asset as a means of facilitating cross-border payments and remittances. Unlike Bitcoin and Ethereum, which were decentralized cryptocurrencies, XRP was issued and managed by Ripple, leading to questions about its regulatory status.·
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