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Kraken Bitcoin exchange Binance wiki As we just noted, it appears all of its tokens were originally issued to the company that created it and its founders. Then, in the years that followed, there were several missteps from the SEC’s perspective … Ripple’s founders tried to make a market for their crypto through a “bounty” program … The founders didn’t comply with mandates of the Bank Secrecy Act … The company sold at least 8. Meanwhile, two of the founders sold XRP they had received from the initial XRP issuance to public investors, generating millions. To the SEC, all of this paints the picture of a security (or investment contract), not a currency. And that leaves us with the SEC now pursuing legal action and Ripple investors sitting on a massive drawdown and a questionable future. On that note, last week, the crypto exchange, Coinbase, suspended trading on Ripple. 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