Ripple is based around a shared public ledger, the XRP Ledger, which uses a consensus process that allows for payments, exchanges and remittance in a distributed process. The network can operate without the Ripple company; among its validators are companies, internet service providers, and the Massachusetts Institute of Technology. The ledger employs the decentralized native cryptocurrency known as XRP, which as of September 2018 was the third largest coin by market capitalization.Bitcoin Cash is a cryptocurrency and a payment network. In relation to bitcoin it is characterized variously as a spin-off, a strand, a product of a hard fork, an offshoot, a clone, a second version or an altcoin.