The Internet of Value vs Ripple

~ Quick Answer

Ripple uses Internet of Value language mainly around moving value through payment and settlement networks. The Internet of Value Foundation uses the term for a broader protocol stack that begins before exchange: time, wellbeing-relevant state, contribution, community validation, and identity update.

~ Comparison Table

Question	Ripple framing	The Internet of Value Foundation framing
Primary focus	Value transfer, payments, settlement, liquidity, and financial interoperability.	Value formation, value capture, wellbeing, contribution, validation, and identity state.
Starting point	Money or value moving between parties.	A bounded time slice where human or community value is lived, created, or interpreted.
Core public question	How can value move as efficiently as information?	What became valuable before it was priced, exchanged, or counted as output?
Identity role	Mostly adjacent to transaction, compliance, or account context.	~WellbeingIdentity is a living state updated by validated protocol flows.

~ What The Internet of Value Adds

The Foundation's model adds a pre-financial layer. It asks how time, care, learning, recovery, skill, proof, and community validation can become legible before value is reduced to money, price, revenue, productivity, reputation, or token transfer.

The canonical stack is:

• ~ValueCaptureProtocol
• ~WellbecomingProtocol
• ~SAOcommons
• ~WellbeingIdentity

~ What It Does Not Claim

The Internet of Value Foundation does not claim Ripple is wrong about payment interoperability. It also does not claim to replace payment networks. The difference is scope: Ripple is mainly about value movement; the Foundation's protocol stack is about value becoming legible before movement.

~ Related Protocol Pages

• Protocol overview
• Value Capture Protocol
• Wellbecoming Protocol
• SAOcommons
• Wellbeing Identity
• Protocol reference

~ Sources / References

• Internet of Value sourced definitions
• Curated IoV legacy terms
• IoV Spec API registry