WillGetThere

I also sometimes ask myself whether there is really enough demand in XRapid and i absolutely agree with the timing issue: i personally has stated it here that its either 2019 or max 1H2020 for XRP to shine/being adopted or it will loose its traction (not saying it will completely fail though). Dont think im in red and that is why i put these deadlines in my head as im tired to wait for being in green again... I have returned my initial investment long time ago.., im good. Another thing is that i presume Ripple is not properly communicating their short term goals/plans/achievements with broader audience (please dont start "Ripple owe/promise retail investors incl you nothing" song). Another thing is that Ripple C level exec's hints/messages should have been smarter communicated (cat out of the bag/major bank will use Xrapid in 2018) - again flaw in communication. Bob Way's appearance here was a breath of a fresh air, really helpful and given amount of posts he has written hence time spent i start thinking that it could have probably been Ripple co-orchestrated type of thing. That is clever IMO. You can do as much job as you can behind the scenes but your competitors are not sleeping. But i still hope We Will Get There. Cheers.

How do you know? Any links/materials to justify your assumptions?

I think its not correct to compare USD to XRP and imply inflation/FV/US Debt principles to forecast XRP value. I would also think with 100 years horizon, too risky and unpredictable given current state of affairs. There are no benchmarks/researches/approaches to forecast XRP (or any other crypto value) based on. This is why returns can be wild hence the risks are the same. Now i see two main risks to XRP being widely used: 1. Competition; 2. Politics. Somehow I feel (probably its biased opinion) if XRP is not widely used (with XRP price mainly driven by use case demand) by end of 2020 it will lose quite of a traction/believers/investors.

What about ~ 40 000% from March 2017 to December 2017?

Have exited you XRP investment yet? Just curious as that XRP use case you have described in your OP does not look attractive at all to me.

That was rude. Did not expect that from you TBH.

'A Ponzi scheme is a form of fraud which lures investors and pays profits to earlier investors by using funds obtained from more recent investors. The victims are led to believe that the profits are coming from product sales or other means, and they remain unaware that other investors are the source of profits.' - Wikipedia. 1. You can't really name Ripple/XRP a fraud, can you? Ripple seem to have a clear and transparent strategy/vision which is in public domain (as well as dozen of other information) hence any investor is responsible for a decision made: to invest or not invest. 2. In no way Ripple profits are coming from newer investors and not from sales. 3. Do you consider yourself 'a victim of a fraud' assuming you have invested into XRP?

How do you know? The whales (most of them AFAIK) are those who has been un crypto for years, so called early adopters. They have decent understanding of this market hence why would they be that dump/stubborn to not see 'what is obvious to us' (XRP the sandard)? I just don't want to accept that these whales are blinded by their BTC religion and are willing to take losses (by not moving out of BTC to XRP). How do you know? Apart from the link on dormant wallets being active again. I've been seeing 'when' vs 'if' wirding for a while, nothing new here. Don't get me wrong, i'm all in XRP, I've been on this forum for a while (and i've been hearing 'BTC is dead for at least 1.5 years now) but i don't see BTC/PoW capitulating that easy/that fast.

Theoretical economists are definitely not those who disrupt, innovate and make things happen. "Antifragile" is in front of my eyes... XRP should be alright. Breath in, breath out and enjoy the show.

You seem to be an intelligent person and i appreciate your inputs on this chat, but this is not the first time i notice you get aggressive/annoyed quite easily. Sometimes something which is very obvious to you is not that obvious to someone else, hence it takes time and efforts to explain it. Sometimes couple of times. Thanks and have a good day/evening/night.

Not only, but, yes, correct, JK has elaborated on it once - https://www.quora.com/If-a-large-amount-of-banks-were-to-adopt-xrapid-and-started-using-xrp-how-would-that-impact-the-tokens-value

AFAIK there are quite a few businesses (trading businesees especially) which are 'noname companies' with very few employees, but they make good money. Look, why would this bank which is 'primarily focused on providing financial services for export and import companies' have billions in assets? Or hundreds in employees? All they need is an office (not neceserraly though), several computers and a license. What is more importantly is that they have exposure to some 80 countries and that they will use XRP. Everyone would have wanted to hear BoA or Santander or Credit Agricole instead of Euro Exim Bank but this is definitely a huge step forward. Probably the next announcement is just weeks/months away and probably it will be a major fin. institution, who knows? I believe there is no way back after this announcement... Fasten your seat belt, hold tight, but do not get over excited, patience is still the key... P.s. care to name any other crypto which is that close to being used/adopted as XRP currently is?

@JA8I don't see any connections between XRP Army shills and XRP adoption. Don't you think any bank would, even after a DD you mention, say smth like: ohhh Jeeez, we like XRP so much and we want to save 60% on cross border remittances costs but we wont adopt XRP just because crazy XRP Army on Twitter? That sounds childish IMO.

Great news, esp in the first days of the year. It won't influence XRP price significantly from use case driven demand point of view but its definitely positive news. Crawl, walk, run...