well i can tell you aren't very informed about ripple, when banks use the ripple protocol they have the option to use the currency XRP to save even more money on processing fees for transactions. David Shwartz even tweeted that FI's weren't very interested in the currency, but now they are becoming increasingly interested in the currency. In fact, they would be using XRP from our market which would result in billions of dollars in volume a day. Sorry I had to break it out for you kid.
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We'll see.
KEEP STEEMING!!!
Look into BitBean, this coin may be the ticket you're looking for.
http://www.bitbean.org/
Sorry about ripple, it does it all the time because of the nature of its own market environment; BANKER WHALES.
I lost around $32,000.00 thanks to that so don't feel bad. Life goes on and so will BITBEAN. I don't work for them, nor get paid. But it is a great coin with a great long term future.
Have a nice day!
P.S. Buy a lot of beans end put them to STAKE. It's a great deal!!!