>codius
Codius is still being worked on by a 1 man team atm, ripple is focusing on payments
>flare
flare is a new project
flare.xyz
>XUMM
XUMM is still being developed but you can use it rn, Essentially it allows you to be your own bank.
coil.com
XRP blastoff - PayId
Hudson Torres
Gavin Roberts
Payid acts as a bridge between payment services.
During the 90's Email services couldn't talk to each other. If you had for example AOL email you couldn't send email to Yahoo email. They solved this problem by allowing interoperability. now no one asks what email service you use they just send an email.
Ripple and Payid are going to do this with money. Currenty if you use Paypal you can't send money to Venmo and you can't use Apple pay to send money to Paypal or venmo. With PayID this connects all the diffrent competitors together giving you the ability to send Venmo to Applepay or paypal to Google wallet.