LAS VEGAS — Here's your problem: You have a pocketful of virtualcurrency Bitcoin, or maybe it's British pounds, and you need to paya taxi driver who accepts only Euros or maybe it's yen.

Ready to give up? Don't.

Meet Ripple, the first distributed payments protocol that iscurrency agnostic, transfers instantly, it's essentially free, andthere can be no chargebacks, according to Chris Larsen, CEO ofRipple Labs Inc. in San Francisco.

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