By implementing the Ripple Consensus Ledger (1) with a multi-sign feature, the banks will be able to have more control over cross-border fund transfers. The multi-sign feature will make it compulsory for those initiating bank transfers to gain authorization from multiple parties before it can be executed. Apart from maintaining accountability, the multi-sign feature will also add additional burden on the hackers as they would have to break into multiple systems in order to authorize fund transfer from the bank to their accounts.

https://ripple.com/files/ripple_consensus_whitepaper.pdf

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