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Dale, I understand your position on XRP.

For me, Number one thing to always remember when investing: It's not personal

I don't like that its a Bankers coin but to not take a 100x investment opportunity would be a missed opportunity to retire early.

That's why I bought it. If bankers are using it...

Correct, Banks are going to use this to get out of Fiat.

I'm surprised no one is talking about governments adopting xrp or forking it to make cryptofiat.

Give it time, people will be talking soon about XRP being adopted by governments.

Well said. I completely agree.

Definitely see where you're coming from. Ripple does look a lot like the financial services sector and big banks are trying to get their hand in blockchain, and as a result in the long-term I more support Stellar Lumen (XLM) and what they're doing. However, right now I think that Ripple and its applications are interesting and useful (and worth investing in). It is a damn shame that its centralised, though.

ripple is more inclined towards transactions and thats why it will suit banks where as stellar is more inclined towards day to day transactions and thus will be used by normal public more

sure, it is centralized. That's why banks may use it. Banks don't want a currency which they can't control them.