Ripple's price is falling and it's "crashing" due to the price stabilizing. The major challenges for Ripple and its product, XRP, will be pretty much overcoming any government and competition obstacles, making sure the banks AND the investors are calm and constantly updating the company and its products while not making any major mistakes. I think XRP is a safe longterm bet, but I really do mean LONGterm!
▶▶▶ Ripple is different than XRP, I mean it's basically a company vs its product / cryptocurrency, so keep that in mind
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