for ripple to reach this status was a long time coming , eventually the banks were going to cave in, for stellar to do what its doing is another story, had my doubts but alas . if your prediction is true then 2018 we should brace ourselves for for steem and SBD to rise from the ashes
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They both cater to banks it just to what banks is the question
Only time will tell if this is fact or over-optimistic fiction. ;+)
Best regards for 2018!
Peace.