I believe it's a decent shot that the greater part of the ICOs and ERC20 tokens will be thought about securities. What does everybody think about XRP? In the wake of perusing the meaning of the Howey test it appears to apply to XRP. I posted this remark in day by day talk however figured I would improve reaction as a post. I'm not a XRP financial specialist so I figured I would ask the specialists here. My second inquiry is more wide.