HTMLCOIN is a Proof-of-Stake (PoS) blockchain platform focused on enabling the practical applications of smart contracts. The HTML blokchain is a hybrid of Ethereum and Bitcoin, and also combines elements of other blockchain infrastructures.

Ripple is a real-time settlement and remittance network that is designed for the banking industry. Its settlement infrastructure technology has been adopted by a growing list of financial institutions looking to leverage the benefits of distributed ledgers. Ripple's real-time settlement network connects banks and enables cross border settlements and transactions in real-time. The current settlement infrastructure requires many intermediaries, and performing transactions take time and cost money. Ripple provides the underlying infrastructure for banks, and enables these transactions to be executed directly at almost no cost.