The document presents a consensus algorithm for the Ripple protocol that effectively addresses the Byzantine generals problem by using trusted subnetworks to reduce latency in distributed payment systems. It outlines the challenges of correctness, agreement, and utility in achieving consensus, and demonstrates that the Ripple protocol maintains robustness even in the presence of Byzantine failures with a fault tolerance of up to (n-1)/5. The algorithm operates through rounds of voting among trusted nodes, ensuring that consensus is reached without fraudulent transactions being confirmed.