I've recently read that a fund is going to be created that uses XRP as it's underlying coins. That's quite something and an advancement from what had been done until now. XRP has been mainly focused into creating this sort of intercompany banking network in order to reduce overal transaction fees for banks who exchange money and move money from one place to another. With the fund being developed that opens the door to a completely different field for XRP and it's going to affect the development of the project into other financial branches, because there is more there than just banking and it's nice to see that XRP is taking this different direction as well. The only problem with XRP is it's obvious too high stake of coins that is centralized.