This is an example of what you should not be doing. You essentially narcoed a thread for no reason and added nothing to the discussion. The OP of that thread was almost certainly not still offering this loan (he only has 3 posts) and the thread had not been posted in for months. You then not only asked what would essentially be an irrelevant question but also responded to someone saying that you bumped a thread for no reason saying that you were hoping to get information about ripple.
A more appropriate solution would have been to create a new thread (I am not 100% sure the most appropriate section - either marketplace or currency exchange) to ask how ripple works.
I deleted all posts. I will always open a new thread now