The majority stake holders of Ripple coin are Banks the 70% of XRP owned by (By Ripple not the banks ! and they annonce that those coins will be put into excrow in few months )banks and the rest 30% are investors like us Not true ! bank uses technologies so far not XRP you missed so many point that this just misleading.
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Banks had collaboration with Ripple. The actual owners behind XRP were banks.
There is no harm in vary of opinion, as per my studies what I know, I shared it.