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Slow and expensive money transfers for banks, western union, etc... I think that is a huge problem, especially in todays day and age where you can send messages to anyone, anytime for practically free.

There are thousands of tokens to choose from and I think picking a coin that is as centralized as xrp would be a huge mistake. Ripple owns about 61 billion of the 100 billion XRP in circulation. Personally I don't trust strangers enough with my money. I'm guessing you weren't around for Mt.gox either. A lot of people lost a lot of money right after Jed McCaleb cashed out and stepped down as CTO. Some think he was involved with the hack. Then he became CTO of ripple until 2013. He still has an estimated $20 billion worth of xrp as of January 2018 and I don't want to lose sleep at night worrying wether people like him are playing me and the market.

I totally agree with you on money transferring and thats why I have plenty of Omisego (OMG). Much safer investment in my opinion.

Thank you for sharing! I am not a huge fan of ripple but it "seems" to bridge the gap between crypto enthusiasts and more traditional investors. When XRP starting hiring the big names from JP morgan and I believe an executive from American Express i started scratching my head. Aren't these the same people who were responsible for the financial melt down of 2009?

i say separate church and state. XRP is great as far as transferring money and even allowing the banks a smooth transition to the age of digital currencies. So yes, in theory the idea is great. But, like you mentioned, I too have trouble trusting people. Especially people that have a history of behavior I do not agree with. I will give a look at Omisego. Thanks @davidblackwell I appreciate your insight!

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