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"Competitive advantage"?!? Where's the competitive advantage of using Ripple, instead of your own blockchain?

Ripple is centralised...
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The competitive advantage is that the XRP ledger is very decentralized.  Ripple, the payments company based in SF is centralized.  You are confused.  JPM and any other private bank coin is recreating the same current inneficiencies on a DLT.  JPM doesn't trust HSBC who doesn't trust Citi however they realize that Ripple only controls 5% of the XRP ledger and thats powerful.  Not only is XRP the fastest, cheapest and most scalable asset WITH the necessary liquidity to handle payments at scale but no one is even close.  The team at XLM isn't building the necessary liquidity to run payments through it without massive slippage on exchanges.  Whether you like it or not, 60+ central banks will be issuing their CBDC's over the next 5 years and XRP will the BRIDGE ASSET.  XRP will be the BRIDGE ASSET for fiat and any private bank coins for cross-border payments and will even handle some domestic rails.  Just do your research, real research though and not reading the garbage on the ad based sites.  Dig into temenos, SBI, SAP and R3 and XRP.  You will be blown away by what is happening just behind the scenes.  Read recent publications from the IMF, listen to Christine Lagarde.  Don't blindly listen to others on bitcointalk and think you have it figured out.  Buy XRP and hold for 5 years.  You'll thank me later.