Xrp was never designed for public consumption.

Private exchanges and liquidity providers may choose to hold additional XRP for trading. Ripple (the company) does not promote XRP as a speculative investment.
https://ripple.com/build/gateway-guide/

Xrp is designed for bank to bank txns involving currency as well as assets in the form of issuances.

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Except big banks dont want to use the system. Many xrp bag holders will be left out in the cold in the coming months.

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