Upvoted! Loved your TA once again. I feel like XRP is going to be the coin of the year. They have partnerships that no one can match, Money Gram and Western Union who send over a billion dollars a year. American Express, Santander, Google and Apple. Just recently Samsung said they are looking to get into the blockchain technology. Samsung does not want anything inferior than its competitors so they will drift towards XRP just like all the other tech giants.

Just like you said XRP is a subdivision and that is what people get confused about. Brad Garlinghouse (CEO of Ripple) said that he uses Xcurrent first on all these companies so they can test drive the technology and see that its efficient, cost effective, and instantaneous. Once one of these companies switch from xCurrent to XRP the price will become astronomical.

The utility of ripple is why it will shoot up to the sky. Imagine millions of XRP tokens going through apple pay, google, all the banks etc. I feel like this can be as big as Ethereum when you bought it at 9$.

But as always thanks for your time ! God Bless YOU!