> Ripple are more focused on positioning XRP as a settlement layer for banks and big FX houses rather than as a day to day currency Ripple the company is focus

> Ripple are more focused on positioning XRP as a settlement layer for banks and big FX houses rather than as a day to day currency Ripple the company is focused on that because they don't want to spread themselves too thin, however the currency itself can absolutely be used as a day-to-day currency [1]. Its incredibly fast (transfers happen in literally 2 or 3 seconds), and the transaction cost is incredibly cheap [2] (currently about $0.0003). [1] https://ripple.com/build/ https://ripple.com/build/ [2] https://ripple.com/build/transaction-cost/ https://ripple.com/build/transaction-cost/