Ripple allows its users to transfer anything of value. This is accomplished with the help of issuers who link their assets to the XRP ledger. When users transact on the Ripple network, they have the option to trust these issuers.

However, if issuers misbehave and claim to have assets they don't have on the XRP ledger, it would lead to big problems. The issued currencies owned by users would lose their value overnight. This can affect people's trust in the Ripple network.