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The article I'm sitting came out about 12 hours ago. The way I'm reading it is that ripple will only be able to work with no competing banks. An that's fine for me.. in the article they are talking about using Bitcoin in the block chain tech.. I was hoping they would start pushing xrp harder. Anyways. Please read this and let me know what you think. https://www.fnlondon.com/articles/blockchain-too-slow-for-banks-warns-top-blockchain-firm-20170707