I very much disagree that it will be bye bye to XRP for good if the next administration will be a Democrat president. We have already witnessed Ripple fight the American government in an American court where an American judge have ruled in favor of Ripple.
We cannot be certain if Ripple will be used by American banks, however, if there is no utility we can be very certain that this will never be bye bye XRP hehehehe. Similar to many scamcoins in the cryptospace, this will continue to pump and dump and pump again hehehe.
u afraid about what xrp can do but im more afraid about stablecoin like usdt or usdc can do.
criticizing xrp won't have much impact on bitcoin, but stable coin? it's real deal
USDT definitely has some bad rumour around it but USDC i don't think there's problem with it.
on the other hand, people keep putting their eyes on these two stablecoin that even at the slightest anomaly people will notice, I don't think these stablecoin is going anywhere soon, but so does XRP, instead XRP is ready for ETF filling,
both stablecoin and XRP aren't going anywhere.