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Completely depends on what you mean by crypto. XRP is very centralized and is aiming at banks transferring in and out to fiat quickly. It seems to me to be a new "wire transfer" (see western union deal). Completely different from the decentralized store of value and medium of exchange many cryptos are aiming at- let alone those that are/will be a dapp platform.

100% agree I have an acquaintance extolling the virtues of XRP as an appreciating asset all over their social media and has no idea of the core purpose of XRP and that a high value drives away their core customers. Aaaaaaand he lost his ass when it took a ride on the pain train last week :(

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