I own a substancial amount and will never sell it! We the public arent really suppose to own XRP but are allowed to. We can stake it with exchanges like uphold for 8% to 15% and your bank will offer to hold your XRP then steal it so gotta be careful. XRP is a banking utility for large international cross boarder payments and can host over 300 triliion transactions at once in under 5 secongs ergo instant world wide settlements. XLM is peer to peer and XDC is biz to biz and peer to biz. I cant wait!

I know lots of things but what you just wrote is Chinese to me. When one never had money to spare/save anything financial besides making sure rent, food and services were paid, was not part of their vocabulary. 😒