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Eugine_Nier comments on Less Wrong used to like Bitcoin before it was cool. Time for a revisit? - Less Wrong
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I don't know much about RipplePay, are the IOUs denominated in some standard unit?
In the current implementation, they can be denominated in any of several typical currencies. I've never played with the exchange rate side of things, so I don't know off hand how that works in practice. (I've only used ripplepay a tiny bit in total, for tracking a couple small debts between friends.)