Fidor is an online bank with a full banking licence in Germany, offering mainstream retail and corporate banking products. Their online platform includes virtual currencies trading, social media banking, Facebook and Twitter payments. Available in Germany, the last 12 months has seen the roll out into the UK and Russia. 2014 also saw the company integrate with the Ripple payment network (Ripple is the open-source payments protocol for free and instant exchange of any form of money or value).