Empower individuals and communities to create their own money. All money in Ripple is explicitly represented as debt, with transactions simply consisting of balances being shifted on a series of imaginary credit lines from the payer to the receiver. In order to explain how this works in practice, consider a simple example. Suppose there are two friends, B and C, taking a road trip, and they both decided to bring along a friend of their own; B brought his friend A and C brought his friend D. A knows B, but has never met C and D before and they may well never meet again, and similarly D has never met A and B. Now, suppose that A and D are out getting a coffee, but D does not have money to pay.