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RE: Ripple (XRP)
I use to think the same thing. I'm all for efficiency, and I've even said that it's a short term solution for a longer term problem but, I'm beginning to think I need to take a stand on principle here. And for me, I'm gonna treat it as a means to an end rather than the end itself. And that 's why i rather trade it, the hodl it.
I'm not a big fan of IOTA either. I like WTC for that sort of thing.
Thanks for the comment.