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Thanks @meeekz, I read through some of the Q&A - he is eloquent as usual. 

However, setting aside the incorrect believe that we are dependent on Ripple the company for all our answers, I would still maintain my position: there is room on the Ripple Consensus Ledger for more businesses to use XRP in other ways that would benefit overall liquidity, such as person-to-person settlement, and person-to-business

Ripple (the company) has B-to-B (business to business and bank to bank) covered nine ways from Sunday!

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