The other day the director of Ripple and in parallel one of the creators of Interledger decided to devote in his thoughts the publication of CoinDesk and told them what awaits the critic and its industry this year. And we, in turn, decided to highlight the most basic of his thoughts and share them with you.

So, according to the director of Ripple, the ICO market this year is waiting for disappointment – it will go down, while traditional financial institutions will become more active and more active in using digital assets. Due to the popularity of the crypt and its rapid growth in 2017, the total capitalization of digital money and the number of ICOs also increased. However, according to Thomas, in 2018 a decline is expected. The reason is that many crypto-currency campaigns fall under the sights of regulators, and many have turned out to be a continuous fraud “from” and “before.”

In the opinion of the director, in the future this will necessarily turn into any legal proceedings, fines or even quite real prison terms for not the most honest organizers of primary proposals. Also in the conversation about ripple 2018, the question was also touched on the expediency of the so-called specialized tokens. He calls into question their effectiveness, arguing their arguments by the fact that ordinary people do not use individual currencies for each of their purchases, and nobody has abolished the rules of the economy in the digital world, even though it is slightly different from the usual market.

However, as for the interaction of financial institutions with digital currencies, the director of ripple 2018 is much more optimistic. So, in his opinion, if 2017 was marked by a flood of speculators, then in 2018 the crypt market is awaiting the influx of institutional players in the form of pension funds, various payment operators and other financial organizations. Striking evidence of this, in his opinion, is the beginning of the growth of OTC trade in digital assets. However, it does not abolish the fact that the market will also face specific difficulties such as regulation, forks, banking nuances, and so on.