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The problem with XRP -- and I'm a big fan -- is that you need banks and multinational corporations to use it before anybody else will. It's big feature is convertibility -- you can convert to any currency instantly with no settlement risk, almost no fees, and almost no chance of the value changing after you request funds.

BUT the company that created it only takes institutional clients. You and I can buy from exchanges and hold in wallets (20 XRP min), but we can't transact with it. Except between each other.

If banks and multinational corporations use XRP, it will explode. It'll be everywhere. Will those entities like the convenience of using XRP? Will they appreciate the small discount Ripple gives them?

Or will they just as well decide to use the Ripple protocol and create their own bank- or business-specific tokens. Or just do everything themselves?

In that case, India will more likely be drawn to coins that focus on direct p2p will be the coins of choice (e.g., Dogecoin, Litecoin, ETHlend, etc) for general commerce. But who knows?