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many big financial companies and organizations are using this coin as central payment system .
Completely wrong. Only Ripple (Labs) is using XRP's for 0.1% of their operations. One XRP worth $ 1 would serve them just fine and the company would operate the same.
You either completely clueless or a cheap, worthless troll.
https://bitcointalk.org/index.php?topic=1908676.msg18998638#msg18998638