XRPayNet is a cryptocurrency built on the XRP Ledger. Transaction speeds to transfer any amount of XRPayNet from one wallet to another take 1-5 seconds and costs are fractions of a penny. The team at XRPayNet does not aim to compete with Ripple or XRP. We aim to change the payments world forever by focusing on change in Online and in-store payments, ‘In the Field’ Business to consumer payments market (such as plumbers, electricians), and the world of peer-to-peer transaction. Ripple and XRP are focused on and are currently conquering the bank to bank and international settlements market. We are going for the everyday transactions and micro-payments market.