A friend of mine keeps telling me that XRP is a shitcoin because it's not descentralized; that I should not support anything that is bank-related and that I should sell all my XRP tokens ASAP.
Many others tell me it's value will drop to zero in the years to come because the creators of Ripple can manipulate the token's price at will.
But I for one, after watching and reading all the news about XRP, it's ground breaking technologies (xRapid, Xpring) and the continued support from well-established companies all over the world, can proudly say: I believe in Ripple!
Image source: https://elevenews.com/2018/07/04/ipple-keen-on-meeting-secs-decentralization-requirements-ripple-xrp-technical-analysis/
Not only because I HODL XRP tokens; Ripple has established itself as one of the few cryptocurrency projects with a true, real world usage. It has also been the only cryptocurrency to be able to compete (market share-wise) with one of the biggest contenders: Ethereum, to the point in which it has surpassed it on a few occassions.
I do believe it's only a matter of time before anyone, not only big-name finance institutions, can use XRP on their financial tasks.
For all you Ripple believers out there: keep believing! This is only the beginning of a great project, HODL!