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Have you heard about the digital asset payment system that was created years before Bitcoin? And about the legal battle that has lasted for years and defines the features of regulating the digital currency industry? Today's Academy is about Ripple, XRP, and its legal battle with the SEC. Find out how Ryan Fager created RipplePay in 2004 before Bitcoin, and how David Schwartz, Jed McCaleb, and Arthur Brito redefined digital payments. Learn about the evolution of Ripple's blockchain infrastructure, the rise of XRP, and Chris Larsen's pivotal involvement. We dive into the 2020 SEC allegations against Ripple for selling $1.3 billion in unregistered securities, the delisting of XRP from major exchanges like Coinbase, and the court rulings that followed. From SEC claims about registration requirements to the landmark July 2023 court decision that distinguished the status of XRP between public and institutional sales, this video covers it all.