It's a natural that we feel wary of Ripple, especially now that many of the top altcoins that were once revered have now become scams,
especially since XRP from 2021 hasn't reached the new all time high, and it's okay to be wary of xrp because they haven't won the trial against the SEC,
if they lose you know XRP will go bankrupt, but if they win XRP will rise too.
Knowing before about XRP was a centralized currency, I was already giving up.
I never even hold them but yes, they are good when it comes to the transaction, it's very fast and convenient, but just for that purpose.
Ripple, the company behind XRP, has formed partnerships with numerous financial institutions, including banks and remittance services, to explore the use of XRP in their payment flows. That's why they faced regulatory challenges like fighting against SEC and the outcome of the lawsuit may have implications for XRP's future which we didn't know yet.
So for now, never hold this coin in the long run but yes, we can still use this coin by means of utility which is very useful.