You need to complete an options trading application and get approval on eligible accounts.
It also does not work with a consensus mechanism like many of its rivals.
Its main goal is to build on the decentralized digital currency approach and do what the internet did to the international transfer of and access to information.
At its core, Ripple believes that money and information should be able to be transferred at the same speed.
For example, transactions are settled within seconds on the Ripple network and it has minimal transaction fees.