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**Disclaimer: This is NOT financial advice! This theorizing is NOT to be taken seriously and is only for fun! DYOR! Fun fact: XRP/XLM have been labelled, by large financial entities, 'Stablecoins'. D. Schwartz has talked about: XRP VS Stablecoins, and why it's a better 'currency', being geo-politically neutral, currency/asset agnostic, public and deflationary VS pegged-inflationary FIAT. FSB (Financial Stability Board): to "Foster the soundness of Global Stablecoin (GSC) Arrangements" and "Regulation, Supervision and Oversight of“Global Stablecoin” Arrangements" Global Stablecoin main features VS stablecoin: Potential to reach/use across multiple jurisdictions. used as a means of "making payments". Increasingly used as a store of value by "the public/households" (possibly meaning an unpegged, deflationary stablecoin.). Potential to achieve substantial volume. is interoperable and interlinking between systems & harmonised by ISO20022. Additionally, the IOSCO (international securities commission) hypothesized on a possible GSC, one which is: "A global currency". Has "financial infrastructure which is used for domestic & cross-border payments". "Uses a reserve fund & intermediaries to seek a stable price vis a vis a basket of low-volatile currencies or commodities". To make this more interesting, it goes on to mention how this GSC: "Could interact with securities regulators, acting as a debt instrument". That it's "decentralised nature could pose challenges with stabilization." And "appropriate regulation, supervision and regulatory oversight to prevent gaps and avoid arbitrage" before such an "arrangement" would go "live". These documents emphasize this is a "joint private and public sector vision". The FSB (Financial Stability Board), orchestrated by the BIS, coordinates this "oversight" and "implementation" w/the CPC, CPMI (BIS)+ relevant SSBs. Fun Fact 2: The FSB has only 3 US members - 1 of whom is G. Gensler... Another is Lael Brainard (current Vice Chair to the Fed, has referred to a new global neutral settlement bridge asset as central to the new financial system). Globally, there are members from entities like: IMF, WB, ECB, EC, Basel, IOSCO, CGFS+ more from Central Banks. My own speculation: What is described as a "global stablecoin' not only sounds like it has potential to be a global reserve currency, but quite literally sounds like: XRP or even XLM. It's almost, objectively, a 1:1 description. It also aligns with points made time-time-again about XRP needing a higher, more stable or set price, and aligns with the many intelligent people in this community who are saying XRP may be backed by commodities to achieve prices (as they say: "via a intermediaries and baskets of low-volatile assets) which help it be more effective without moving the market too much (a volatility issue frequently brought up by D. Schwartz). It aligns with it possibly becoming a store of value, as a higher but less volatile price would probably still increase in value over time. It also just so happens that many of these entities are frequently meeting with Ripple, whether it be face-to-face or at important events. It just so happens that the only country in the world taking issue with XRP is the one whose global reserve currency is threatened by a neutral alternative. Or, they're "addressing regulatory gaps"... My question to people here is: If not XRP/XLM, what ticks all these boxes? Libra? JPMcoin? These won't be held by public households as "a store of value", and trust is a whole other story. ETH? BTC? These aren't efficient or effective institutional payment networks. To me: It sounds like these are XRP, XLM, possibly XDC, maybe even pegged stablecoins like USDC, USDT, or retail CBDCs, but they'll all be bound to the disadvantages of traditional pegged, biased, inflationary fiat. You do the math.. Appreciate any comments.

Disclaimer: Strictly for fun! Not financial advice! Also, would love anybody to expand on or talk about the flaws in this. Also unsure if this has been talked about already! So someone, 4y ago, asked: “Why does XRP need a value to be used on the RippleNetwork by banks if it will be adopted? Can’t it be used with zero value?” In summary, David Schwartz responded: “No, can’t be used unless it’s value and liquidity is sufficient, and the more value and liquidity the broader range of payments it can be used to settle. The easiest way to see why this is so is to think about bitcoin. Four years ago, you couldn’t buy a house with bitcoin. You can today. But it would be very hard today to settle a $1 billion payment with bitcoin. If bitcoin’s price ever goes to $1,000,000, you could then settle a $1 billion payment with it.” Link: 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 In other words - BTC’s price at the time of posting this (probably between $4k-10k) would be adequate for something like a house payment, but move the market way too much with regard to large-volume institutional payments, and hence a settlement for $1Billion using BTC would be much more efficient (or preferred) at $1million a token. Now, for fun, let’s F around and play with this very specific, but very intriguing, example by D.Schwartz, and easily calculate some good ol prices. Problem: If 1 BTC needs to = $1,000,000 to settle a $1,000,000,000 payment & total supply = 21,000,000 then what does 1 XRP need to = to settle the same amount with a total supply = 100,000,000,000 Solution: (21000000*1000000*1000000000)/(1000000000*100000000000) = XRP (equate market caps to solve xrp price) Turns out, 1 XRP = $210, in this scenario. Well, that is with a total supply available on-market or on-demand. Now, what about a much lower available supply, especially the designated supply dedicated to specifically settling high volume payments on RippleNet (ODL)? What about most of XRP is existing/sitting on global institutional balance sheets in the future? What about constant transactions and settlements taking place, rather than a one off? Multi-billions of dollars, frequently? What about XRP settling a whole bunch of other stuff - NFTs, tokenized real-estate, other equities but also stocks and debt securities? Smart-Contract capabilities? On chain and off-chain settlements, ILP? Plain Lockups and staking? I’ve read that something like 5% of the supply is what will eventually be in-use. Might be bs. Anyway, using the same equation and scenario - a sufficient BTC price to settle a $1B payment that won’t move the market too much - and ignoring a whole bunch of other variables and adjustments that should probably be made on both XRP’s and BTC’s sides (lol, this is very much a massive assumption and strictly for fun): Assuming % of XRP supply on-demand = $ 100% = $210 50% = $420 30% = $700 10% = $2100 5% = $4200 1% = $21000 Again, would love for anyone to expand on or find the flaws in this (i know there are many)!

So the price is up the price is down, down and ahhh more down. But as I am sure most are aware of in here, Bitcoin futures have been showing its power over Bitcoin with the decreasing/depressed price of BTC. I found this interesting read about BTC and CME-options cartels. It is a good read if you have time and also makes quite a lot of sense seeing as (at present) the price of XRP is intrinsically linked to BTC as are all other Crypto Assets (apart from USDT). https://medium.com/@super.crypto1/4th-dimension-bitcoin-manipulation-cartel-can-it-be-burnt-no-way-c53de65c166a To me it makes a whole lot of sense - and a bit more of a realistic argument to the "whale" argument.. Happy Easter

Sounds ridiculous but when you look at the XRP log chart, the Fib shows exactly that. Bro, XRP hasn't even started to pump to the upside of the Fib yet until it hits ATH again, 1 on the Fib chart (~$2.90-3.50). For any of you who missed @JamesRuleXRP interview, the interviewee makes a similar 'prediction'. He's of the opinion that if CBs all agree XRP is going to be the standard, it'll top out around $10k-35k. I think he's implying this would be the range without XRP/FXRP being used in smart contracts/NFTs/derivates. Basically a full Fib extension filled ~$35,000/XRP. Personally I think he's missing the derivatives part of the equation (FXRP). What percentage of the XRP market will be CBDCs exchange vs smart contracts/derivatives is hard to say, but what if all stocks, commodities, real estate, vehicle titles, artwork are NFT'd? Now you're talking all the money, instant swaps of physical assets on the XRPL/FlareNetworks with no middlemen. I'd say that would likely dwarf CBDCs exchange, maybe 30:70 even? Cardano is also in the game with some others, but Ripple definitely has some markets cornered, like the banking sector. With all the people dying to defect from Ethereum to avoid the gas fees price-gouging, Cardano and FlareNetworks are going to suck up a lot of their business. There's a reason ADA and FXRP are Ethereum-language compatible. ~~~~~~~~~~~~~~~~~~ So what would it take to max out XRP at $10k-$35k? 1. CBDCs minted: Obviously SEC resolution. Whatever they decide, needs to be clearly over. Centrals banks are working on minting CBDCs through RippleX (on the XRPL I'm assuming) and would have to be in place. Once that's done, along with #2, stick a fork in it, XRP is ready. 2. FlareNetworks online (derivatives/smart contracts/NFTs Q2-2021): Gala Games and all the other parties that are going to use FlareNetworks to mint NFTs etc will take up a nice chunk of XRP (as converted into FXRP, locking up said XRP). Also anyone who has Spark should be able to milk a steady return on staking (to mint FXRP for smart contracts). HODL them Sparkies. Not if but When NFTs move into tokenizing physical assets, who knows? Once FlareNetworks is online, the door is open for NFTs for stocks, real estate, commodities, smart contracts for insurance, loans, rental/purchase agreements, etc. ~~~~~~~~~~~~~~~~~~ Consider that the entire fractal up to now has been 100% pure, retail, 0.5% of the population speculation. Sure MoneyGram is using XRP, but we're waiting for the CBs and smart contracts/derivatives to come online. Once they do, faces are going to melt. TL;DR As for price speculation, anywhere from $17-$200 in the next year or two based on pure speculation. When the utility switch is flipped, 4-digits and beyond. Interview below, worth the 30 minutes.

I've mentioned this a few places on the forum but it's still going on and I just can't wrap my head around it. Here are the Bitrue charts: Two big things I don't get: 1) if the value of FLR is being tied to XRP for some reason, why would FLR be valued higher than XRP? 2) Why are people jumping in to buy FLR way above the previous high on USDT??? It makes no sense to me at all. For the longest time it was under 30 cents, and now suddenly people are jumping in to buy it at 60 cents? What changed??? This could all just be manipulation, and I thought that when we saw the down wick that it would stay down there, but it immediately bounced right back up. I would understand a pump immediately before the network goes live, but we are still months out. Surely they don't plan to keep it in this range for a few months in the hope of dumping it on people??? Instead, it looks like the chart is trading in a new range, especially the FLR/XRP chart. I saw recently that the transactions traffic on the Coston testate recently increased. Is the something going on behind the scenes that has not yet been announced? I don't go for hopium or unjustified hype. I know the volume on these pairs is tiny and the supply is capped so we can see moves like this. But what I don't get it why aren't FLR holders on Bitrue rushing to sell??? If you are an XRP holder then you can sell this thing you got for free for 1.3 XRP! Are people really that bullish on FLR? What is going on here? It makes me nervous.

I haven't heard the term before so I'm coining it here: Priced-for-liquidity. At the heart of it, the pool of XRP that exists is meant to be a translation mechanism, not unlike a driveshaft translating the energy from an engine to the wheels of a car. Let's use the popular FX number of $5 trillion/day and take the most simplistic example possible: group A wants to transfer $5,000,000,000,000 to group B through XRP (100,000,000,000 supply). At today's price of $0.27, $5 trillion buys ~18,518,518,518,518 XRP, which would then be translated to group B, say, into yen or whatever. Obviously this is impossible because there's only 100 billion XRP in existence. Another way of saying that is there would need to be 18 trillion XRP to provide enough liquidity for that 1 transaction if XRP was priced at $0.27. Now let's say we wanted 100% of liquidity locked up: $5,000,000,000,000 / 100,000,000,000 XRP = 50, so $50 per XRP. In other words, the price of XRP is directly tied to its demand for liquidity. If you needed no remaining XRP in the pool (100% of liquidity), then you could price it at $50 to complete this 1 transaction. Also, as the total amounts of value that need to be transferred goes up, so does XRP and as it goes down, so will XRP. One step further let's say we wanted only 20% of liquidity locked up on that same transaction; we can't be greedy and need to save some XRP for other industries who might also be using XRP, hedge and trust funds holding XRP as an asset, retail HODLers and stakers if that becomes a thing, etc, etc. Now we have $5,000,000,000,000 / 20,000,000,000 (20 bill.= 20% of 100 bill.) = $250/XRP to complete that 1 transaction while leaving 80% of the remaining XRP supply for others to use. So the price of XRP will be reflected somewhere along this moving spectrum of demand for liquidity. I can't say where/when/what those percentages are as it will change up or down relative to its use but this is how I understand the functional pricing of XRP. This might be obvious to veterans of the XRP space, but for newbs it's a good primer. XRP really isn't meant to be a currency per say as many assume and I think a lot gets misunderstood when you call it a "cryptocurrency"; "digital translation asset" is more apt. Not to say it's not going to be valuable, but not for the reasons people think and more because it has to be priced in for liquidity to function correctly as an intermediary of value translation. TLDR; The driveshaft of a semi-truck is larger than a Honda Fit's.

I have expected Ripple to rise, but from my view on charts Ripple is gonna fall to 0.15 cent for 1 month so it can go still to 0.28 cent, but most likely is gonna go to 0.15 or 0.17 cent for 1-2 months. Probably this month of December or beginning of January 2018 Ripple is gonna go to 0.15-0.17 cent and then retrace up.

There's been numerous threads about utility based analysis of how high XRP price could rise. Here is one example: https://www.xrpchat.com/topic/18706-xrp-market-potential-value/ I've created this thread to throw out what I consider to be a good "starting point" for utility-based analysis. Personally, I struggle with the finer-grained differences between the potential markets: B2B (Business to business) P2P (Peer to peer or person to person) P2B (person to business) Once we zero in on one of these three categories, we can then further categorize the markets and get some historical numbers to plug in. For example, within the category of "P2P" are remittances across borders such as what MoneyGram handles along with Mercury FX, Flash FX, IDT, and Cuallix. Also American Express and Western Union now! I wanted to create this specific topic as a stand-alone thread before I then take the number and extrapolate to use it in a utility-based analysis of XRP price. In the past, I've used old SWIFT numbers. I've seen other authors manage to get their hands on other numbers as well, but I'm not sure if some of those overlap or should be considered separate from each other. For example, is the CHIPs system accounted for in the SWIFT number? I don't think so, but I'm not sure. We'd need somebody 'from the industry' to comment on some of the numbers that would comprise our starting point for utility-based estimation of XRP price. Let me know if you feel strongly one way or the other, or are from the industry and have some valuable sources of statistics to contribute. Thank you!

Blog URL: https://coil.com/p/Hodor/Deep-Thoughts-Crypto-Version-/kDaje9VNB CryptoEri interviews me! I also cover Brad Garlinghouse's recent response to Steven Mnuchin's press conference, and provide 'something extra' for Coil subscribers. I hope you enjoy the read: Please feel free to share my blog with a friend or share it on any other platform - and thanks for doing so! My blog announcement links on other platforms: Twitter Reddit r/Ripple Reddit r/CryptoCurrency Reddit r/CryptoMarkets Reddit r/xrp Reddit r/RippleTalk Reddit r/alternativecoin Reddit r/CoilCommunity Bitcointalk - alt coin sub forum Bitcointalk - XRP speculation thread

Hello, What do you think? XRP will have some potential in this year?

Let's play a game shall we... Say you are me and I am you and we do all the things we do... Then, in as little as or less than 115 days you, me, anyone with a good amount of XRP could be seeing prices that are against all the FUD today. You may experience wealth very fast, and perhaps overnight. Could you handle that? Are you ready for that? It's more difficult that you may think. Nobody knows and these realistic view points may be accurate but, I have witnessed what seems as reality become a fallacy... Overnight. One does not assume anyone would perpetuate nefarious tactics and propaganda that could in fact be being shoved in our faces and some, well... Don't know better. Ignorance, is a side effect of controlled opposition. Cognitive dissonance is a by-product It's like wondering why most fast food conglomerates use "red & blue" as their logo colors or why almost every celebrity covers an eye for a photoshoot. Excite and depress. Ever feel calm when the police light 'em up behind you? Excite and depress...over and over Those of us that are viewing things without blinders and at a very wide perspective come off as misunderstood or even crack pots. Lunatics. Imagine how I feel about the masses. ....wear my glasses We know money is going digital. We know everyone will accept it. We will prove that with our wallets. Donald Trump has already said that the playing field will be leveled. February 2017 Every transaction will be tracked and the world wide web will become monetized. (World Wide Web, "W", "W", "W",... The sixth letter of the Hebrew alphabet is "Vav" which represents the letter "w" in the American English alphabet... I've said enough). What does a web do to other insects... Why is Facebook so popular when it is so pointless... People spend whole days on Facebook... As if they are caught in a "web"... And it doesn't have to be one website, it could be many... We know XRP is capable of capturing all transactions and it is only beginning. Call me a sell out, or whatever you will but, I have screamed and fought everyone to put the glasses on. I know what I shouldn't know and it has set me free. Now I am sharing it Because sharing is caring... XRP = HODL

I don’t believe @Ripple biggest announcement of the year was ever coming from Swell. The biggest announcement will come at Sibos later this month. If there was ever going to be a way #swift were to save its skin it would be plugging Xrapid in for its settlements

New member, forgive me if the post format isn't perfect. Came here from DAI on youtube. I'm invested in XRP like most, if not all of you. In my research, I've come to the conclusion that XRP is going to the metaphorical 'moon' that everyone talks about. Here's why: Ripple has created a currency that destroys .00001 of itself (10 drops) with every transaction. (https://developers.ripple.com/transaction-cost.html) I don't remember which Ripple exec talked about it (not BG or Schwartz), but the potential transaction per second of Ripple is quite large, upwards of 500 billion - 1 trillion per second. I think that's a bit much, so I factored it to 1 billion/second. Don't remember which article it was, but I'm trying to find it. When you do the math, that's a minimum of 864 million ripple being burned every day, conservatively. Multiply that by 500 and its just shy of 500 billion xrp per day. Factor in Apple's integration with XRP, Amazon's likely partnership, 5-25% of SWIFT integration within three years, retail adoption on a global scale, and finally, FOMO. When emotional wall street investors start getting phone calls from their clients, the average uneducated investor will be priced out. Too late. With the Cobalt update and the Transcendence upgrade to the ledger, Ripple's transaction speed appears to be headed toward 1 sec. That speed is phenomenal. I don't think it'll be at the end of this year when we see it. Analysts have said that the global markets look safe through the middle of 2019, and SEC regulators appear behind the ball when it comes to getting things in place. Thanks to Malta and other crypto havens, they have no choice but to act. Institutional investors are on board, but within three years, probably after the 2020 election, is when I see XRP taking off. Now that I think of it, it might have been Stefan Thomas on twitter (Coil founder) who mentioned the transaction speed/second. I may be wayyyyyy off on that Tx/sec, but with Ripple's scalability, anything seems possible. They've created a perpetual demand-creation machine that is aimed squarely at global domination. Their aim seems true. $10,000 XRP. Thanks for reading.

"HamidRowaihy According to a study by Stanford University and The University of Stockholm #XRP is the best macroeconomic choice, over all other currencies, to serve as the world standard currency . #xrpthestandard souce: http://papers.netrogenic.com/sid/eco-friendly-money.pdf …

So i'm sure you have seen the form talk about CasinoCoin. if not..... clean your glasses. Last month on the 20th of June. I wrote a post about CasinoCoin at 5sats and why it's at a great price right now. As 1,000,000 CSC was about $500 bucks. Right now 1,000,000 CSC is $ 823.00 bucks. The CasinoCoin Team just recently added Lydia Barbara, Head of Innovation Strategy at Microgaming. To there adviser board. Microgaming Software Systems Ltd is a privately held Isle of Man based software development company which claims to have released the first genuine online casino in 1994. The company is one of the leading software providers to the online gambling industry. Online casino operators such as the Carmen Media Group, Fortune Lounge Group, 32Red, and the Palace Group are among those who use Microgaming's software. The company has now developed into the largest software gaming company in the world and is currently operating 120 different casinos and 40 rooms of poker playing gaming. Put it on your crypto watch-list! *DYOR* (This Is Not Trading Advice)

Has anyone questioned the name of "Ripple Labs Inc." I do. Ripple Labs, Inc. is an American technology company which develops the Ripple payment protocol and exchange network. Everyone knows what happens when we drop any kind of object into water. We witness a ripple effect of incremental ripples expanding across the surface. We also use terms like the Ripple effect to describe sociological effects of an initial impact that may not be directly related to that initial impact. We use it to describe a multiplier in economics. Right now, I'm using it to describe how I feel the price of XRP will behave these next few months or years. I also find it fascinating that the word "Ripple" was chosen. Due to their being two types of laws... The law of the land, and the law of the water. Anything to do with "money" falls under the highest ruling of law, the law of water. Money is liquid. If money is liquid it falls under the law of the water. Are you still following me? I believe and feel that price of XRP is going to be the value of streamlining the law of the water. Instant liquid transactions. Between the borders at first then, us. Humans are over 50% water. We are liquid... The law of the water supersedes the law of land because money exists and money is liquid. Get it? Words mean things, and in law they can mean other things. A word is just a word until we add an "s" in front and then the word becomes a sword. The people @ Ripple and behind Ripple know their words and also know that they have a lot of average Joe's holding XRP. As do the powers that be. Bottom line, just be prepared for a ripple effect to shake your hands of your XRP bags. Because I feel that selling at any $ amount will be selling yourself short. Unless you are into that sort of thing... Just my sober opinion on some microwaved tinfoil Any thoughts? Opinions? Feedback? All is welcome. Thanks for reading

On the surface it may appear that way. I know lots of people are thinking, 'I should have cashed out at $3.00' I was the same I would wake up and see $1.76 oh great. Next day $2.22 cool. Next day $2.76 yes. I'm sure a few people cashed out and bought in again. Good for you. Now what would of happened if I cashed out at $3 And the price never came back down. ??? Did I mess up? I'm in profit, but the price never came back down it went on to $5.33 and stayed there. There is no right or wrong way in trading. Even people that HODL are trading. Instead of little trades, they hodl for the BIG trades. So in your mind you may be thinking. When the price shoots up again, I'm going to cash out at $3.00 Question is..... Will the price come back down? It's highly possible that in XRP's next bullrun. (I say XRP, because we will be breaking away from BTC) That when a few banks use Xrapid, and SBI is LIVE. The price may go up and get stuck at $5.33 and just won't come down, due to the amount of volume running though xRapid. It's all open to interpretation of course. You may see it completely different. (This is Not Trading Advice) A high level of research is needed before investing in any coin/token.

Hi guys, When viewing the XRP/BTC chart over the weekly period it is fascinating to see that the previous bull market in May 2017 till end of the sell off phase looks almost identical to the December 2017 bull run and sell off period afterwards up to now...if this pattern continues we should see the start of new bull market more or less by end of the month as previous sell off phase lasted 2-3 more weeks and that correlates nicely with SBI VC clients coming on board. From a contrarian point of view all the negativity lately regarding XRP also indicates we should be close to start of a new bull market. I think the low volume in the market currently also shows that sellers are exhausted and the path of least resistance will be up. I know historical price action is not always an indicator of future price but it surely looks like a strong possibility. Your opinions are welcome...

The uncertainty of some XRP chatters is actually quite amusing. Especially, if you can be emotionally detached from your own XRP holdings. I'm watching it grow, like paint drying it takes time. However, with crypto, we could see some serious gains quickly for no reason. Even then, just because the harvest is plentiful doesn't mean we must eat the fruit. I for one am holding for a couple or few years unless the fantastic $589 appears before eoy. I have a few reasons of why, and how it could possibly reach that price. All, I can say is, I am still bullish. More so today than I have ever been. The fundamentals are there, the utility will follow. Fasten those seat belts because 90% of us will sell early. A $100/XRP is extremely tempting. It's worth more than that. I'm reading that the Federal Reserve is attentive...$250/XRP would change my life. Tempting. But, it's worth more than that. When the SEC makes an announcement.. who knows? Call my XRP what you will I call it freedom ?? What do you think is going to happen these next few months/years? P.S. tin foil hat optional

The price is going up..... soon.....isn't it? Yea, yes it is, yea it is, its going up... Its a sure thing..... Im a happy person. Im happy, im not scared, ? no no, im not scared, im a happy person, ? im holding, the market is going up, the market is going up soon in a minute see it will. Im not scared. Im fineeeee. Im fine. Im not scared. Im a happy person. I HODL like everyone else does I do yes I do. Im not scared. The markets great haha. yea haha, im fine, im fine. ?

https://www.everythingfx.com/You_Cant_Control_The_Market_So_Dont_Let_It_Control_You-145-EFX-Watchlist-Detail Nice little read, check it out guys.

So it looks like J.P Morgan are / have been in the hunt for payment processing and settlement in real-time the whole time. Whilst we have all been focused on SWIFT being the main competition it appears that JPM are the real competition. Fortune Magazine article: http://fortune.com/2018/05/04/jpmorgan-blockhain-patent/ Full patent: http://appft.uspto.gov/netacgi/nph-Parser?Sect1=PTO2&Sect2=HITOFF&u=%2Fnetahtml%2FPTO%2Fsearch-adv.html&r=1&p=1&f=G&l=50&d=PG01&S1=20180121911.PGNR.&OS=dn/20180121911&RS=DN/20180121911 The below looks familiar: http://pdfaiw.uspto.gov/.aiw?Docid=20180121911&homeurl=http%3A%2F%2Fappft.uspto.gov%2Fnetacgi%2Fnph-Parser%3FSect1%3DPTO2%26Sect2%3DHITOFF%26u%3D%252Fnetahtml%252FPTO%252Fsearch-adv.html%26r%3D1%26p%3D1%26f%3DG%26l%3D50%26d%3DPG01%26S1%3D20180121911.PGNR.%26OS%3Ddn%2F20180121911%26RS%3DDN%2F20180121911&PageNum=&Rtype=&SectionNum=&idkey=D6329B1D2C5E Oh and we are back to (at the time of writing) $0.88... ?

Fairly new member here trying to make a decent first post. I've tried to remain unbiased and follow some sound advice from members of this community to do my own research and I keep coming back to the same conclusion..... The sky seems to be the limit for XRP. First you all educated me with the ever expanding list of partnerships that Ripple is creating, then you educate me with how xRapid will create cost savings and immediate liquidity to those seeking to employ the benefits of xRapid. THEN you drop on me Codius, which admittedly I don't fully understand quite yet, but if I'm on the right track the ability to bridge the crypto-verse and also crack the derivative market. These are incredibly large markets that truly make me believe that XRP can provide a return of 100x or more at some point in the future. I appreciate your attention and here's to my first crypto quote ----- HODL!!!!!

(if this is not new, feel free to lock/remove this topic - remember checking a few weeks ago and it wasn't yet available) Seems it's now possible to add XRP fiat pairs (XLM, probably others too) to the Stocks app/widget in iOS/macOS. Remember trying a few times since Yahoo! Finance made it available on their site but it couldn't find it in the app/widget. To my surprise, today it worked.