hi, great write up but are you aware that there are still about 55 bil XRP that's still locked? when they flood these XRP in the market, do you think it will still be valued at the same rate as now? No doubt XRP has been going at an incredible growth..

how do ripple use XRP? is this for bank to replace fiat? or is this to be used to pay for the fiat transfer?

thanks
schiz