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RE: Back to my old job for the day + STEEM back to C+ from C on the Weiss Rating report.
XRP will be used by a bank here in my country @exyle and from what I learned they will have to buy XRP for the purpose of faster bank transfers. XRP has a very good use case and so is steem.
I would suggest going to the banks and asking them about Ripple. I don't think the big banks will use it. If they do use Ripple, they don't need to hold XRP. This is something most XRP hodlers don't seem to understand. I also can't think of a reason why banks wouldn't make their own crypto, as JP Morgan are doing. In the unlikely event that big banks use XRP, I also can't see a reason why they would want it to be a high price, when they don't like volatility and its easy to not hold it and keep the price low.