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Go with SWIFT. ;-) Over 5 years, when the Ripple price is two-digit, you'll regret it. I remember that a month ago I did a technical analysis on XRP / USD saying that the resistance of 0.30usd will be broken soon and we will have an impulsive upward movement to 0.60-0.80usd. A guy commented: never XRP will not go over 0.30usd! Here we are at 1usd. ;-)