Yeah, their tech is useful to the industry, that said the coin is a liability for a bank. I see a future where banks exchange value with 1coin=1USD to speed up

Yeah, their tech is useful to the industry, that said the coin is a liability for a bank. I see a future where banks exchange value with 1coin=1USD to speed up transactions but not using the value of XRP. Plus for a random user making an investment, XRP not been a public blockchain is a no go for me. They can hardfork / print money as they please.