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@@ -332,10 +332,11 @@ In general, these off-chain payment channels, like BOLT and the
Lightning Network, improve the blockchain based payment schemes by
centralizing payment processing, but they remain orders of magnitude
more costly than Taler with the same degree of centralization.
-In addition, they require that miners act far more like traditional
-payment processors than conventional cryptocurrencies, exposing miners
-to legal risks. Taler is explicitly designed to help a Taler exchange
-navigate these legal risks.
+In addition, they require nodes act far more like payment processors
+than like conventional miners, potentially exposing miners to legal
+risks, not unlike the financial violations for which Ripple was fined
+\cite{RippleFined-ArsTechnica}. Taler is explicitly designed to help
+a Taler exchange navigate these legal risks.
GreenCoinX\footnote{\url{https://www.greencoinx.com/}} is a more
recent AltCoin where the company promises to identify the owner of