So essentially yes, XRP is a “shitcoin”. It’s not really a true cryptocurrency. Banks don’t use XRP tokens to send money, they use Ripples network and programs. They can even create their own token if they so choose to.RIPPLE (the company) is making partnerships, not XRP tokens. Buying XRP is like going to Disney World and buying a souvenir cup and saying you own stock in Disney. It’s just a novelty. 60 BILLION XRP tokens are held by the Founders. That’s 60%. Highly centralized. Cryptocurrencies are supposed to be decentralized in nature. The only reason XRP is valued so high, is because people are misinformed on what XRP really is. However, due to that ignorance, you can make money off XRP. If you’re only in it for the money, you’ll make money with XRP. If you’re in it for the tech and and fundamentals, XRP shouldn’t be something you invest in. But who really knows, right?