i don't belief in ripple/xrp but the other ones nice and real devs without the conventional banking attitude and without the intention 2 maintain the hegemonial power of banks. Maybe bch is an fraud 2 but that's just spec. Happy new year!
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Yes, you are right... even I also don't like it as its a centralized token and doesn't want it to succeed. However, the real world used case of ripple in the current financial system of banking is huge. That's why I think it has a very bright future may be not in logerterm but in medium term.