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I have helped so many wanna be investors in XRP navigate the process some as long ago as 3 weeks. More than one of these guys has an extra $100,000 they plan to throw in and see where it goes. They are still waiting for approval from various exchanges. Kraken, Bitstamp etc. One has restarted the process with lower limits and he's a week into that with no approval yet. Point is, I think we are going to see a lot of new investor activity after the first of the year.....hang on folks this is fun.