Ripple Labs, Inc. is an American technology company which develops the Ripple payment protocol and exchange network. Originally named Opencoin and renamed Ripple Labs in 2015, the company was founded in 2012 and is based in San Francisco, California.[1]
Of greater interest is the diagram you served up last year. It presents an excellent one page glimpse at how the technology works...and as I recall, it includes the word GATEWAY! :-) For those in the dark, it is the GATEWAY which monetizes the technology for Neom.
Stance lets customers use their phones to self checkout anywhere in store By Staff Reporter • 2 April 2019
Excerpt: Specialist sock retailer Stance is enabling customers to pay for products on their mobile phones from anywhere in its stores — without them having to visit a physical checkout desk, talk with a shop assistant or download an app.