Wow, interesting story. Speaking of altcoins, what are your thoughts on Ripple? It seems promising to me in that nearly a 100 banks are using their BlockChain technology to process cross border payments and cut fees and transfer time (down to seconds from days).

At the same time, I'm wary of investing in altcoins, after reading a whole bunch of scams that people have perpetrated online in this space.

Also, is Ripple ( XRP ) considered an altcoin in the first place??