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We're about to lose 2nd place in market cap in favor of ETH. We are getting beat by a coin's who's transactions take hours (XBT) and another who's takes minutes (ETH).. all while XRP takes seconds. Why? While banks decide whether to use XRP or not, Ripple should develop wallets and lobby the coin to companies like coinbase and such so e-commerce sites start using it. XBT and ETH will soon lower their transaction times and at that point XRP will lose his big advantage. What's causing the XBT and ETH rise and why isn't ripple doing the same for XRP? IMO ripple is missing the wave while waiting for SWIFT to die and there is no guarantee banks will adopt XRP.