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Im xrp army i like ITS fast faster transaction then btc and less volatile it more Stable to send money .

But despite all this good utility xrp reputation are bad some people say this garlinghouse is new Sam bankman.

If garlinghouse Will be the next Will the xrp Will fall and how low it Will fall ?
I see a lot Xrp fud is this fud have any serious reasons or is just retail traders are afraid of xrp now.

Will the garlinghouse recover our funds If xrp going bad ?

They're not FUD but actual facts that XRP is in no good situation because of what they're facing about the lawsuit made by the SEC.
(https://www.reuters.com/legal/transactional/ripple-sec-make-final-bids-quick-win-xrp-lawsuit-2022-12-05/)
If this lawsuit becomes gone and that's going to be a big news for XRP itself and then most investors and traders are quickly going to FOMO with that good news, ONLY IF.

There are already a lot of issues on Ripple (XRP) even before, no doubt this accusation is already here.
I am still amazed why Ripple (XRP) is still on the top list by market cap even a lot of issues already. Ripple (XRP) already lost -90% from its all-time high now while Ethereum (ETH) is already around -70%.

Some retail investors for sure already lost a lot of their money by buying Ripple (XRP) instead of Bitcoin or other altcoins like Ethereum.

Yeah, this one is what we have or at least the investors is looking at this case has been dragging on for years if I'm not mistaken and there are no clear victor although XRP claim that they have a small victory and it pushes the price.

But it wasn't sustainable as we have though.

So for sure investors are still very cautious about XRP because we don't know what will be the outcome of the verdict. If it favors them by a long shot then good for their investors. But if it's not then obviously the price might go down hard.

Theres no problem witg xrp in terms of utility in fact its much faster than bitcoin and less fees. However they are fully centralized. If you dont want to get caught on a massacre once they did it then better avoid it right? Anything centralized could turn away anytime and thats a fact. Take a look on what happened on other projects like FTT, this is a big fish but yet got died in the process. We never knew when these things would occur and it will be anytime and we sont have a clue for it.

Have you ever seen a centralized platform that pays its investors if something bad happens?
they will always be able to escape to responsibility for all losses of investors

In terms of transaction speed as well as xrp transaction fees are quite competitive, but that doesn't make this coin a big one in gains because many investors have lost a lot on this coin, this coin is only used by many traders as a trading option day traders/scalping all for short terms , because it is used as an investment you will lose a lot, and considering how this coin is a centralized coin, all bad possibilities will occur.

Seriously, how much the current Bitcoin fee is? it doesn't even touch $0.20 for the high priority! [1] if you think it's still high, you can use Bitcoin in lightning network where you only need to pay for few cents only. If you're looking coin that has stable price, stable coin is better than XRP since the price is pegged with the real USD price.

Those aren't an utility, because new created coins have lower transactions fee since the network isn't busy.

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[1] https://mempool.space/

You need to know that to have a healthy and secured investment in the crypto industry, you need to choose coins that are not centralized where one command from SEC and it will be all locked up by the owners. Bitcoin doesn't have that kind of feature and it's far more secured than your XRP. In some cases XRP are also good like for example reducing your transaction fee, you can always choose to convert it to XRP before sending it to your local exchanges and given that your local exchanges also accepting XRP because others are not.

And that is the risk those that are investing in centralized coins are taking, many investors believe that since XRP has been in the market for so long that somehow it is immune to such a fast disappearance, but we know better, any centralized coin can disappear quite quickly if the management of the coin has been deficient, and 2022 was the perfect year to illustrate this point, so it is not really that surprising XRP has been losing ground against other centralized coins over the last years.

Not only that but because XRP is also associated with the company Ripple which faced legal challenges from SEC over its classification of XRP as security, people didn't like it. It makes the token more volatile every now and then whenever there is an article coming out as an update on the legal issue.

Any investor will be caught in the middle while there is a battle between the government and Ripple which they better left this token.

Last year was terrible year with a lot of bad publicity and fraud exposures plus there is a recession ongoing. It hurts but those who lack convictions gotten in the way. I didnt actually thought the ftt incident as Sam is one of the biggest crypto user to be found to be like this. I do hope xrp can still be change, a lot to process but since they given another sweer escape on lawsuit maybe hope for the better but dont expect.

Actually, not only XRP, but almost all Atlcoins have the same risk, it's just that maybe there are Atlcoins that are really good and decent.
If you say that a healthy investment in the crypto industry must choose a decentralized crypto from an SEC order like bitcoin it is true and Bitcoin is the only decentralized crypto asset.
So instead of investing in Altcoins, which can only experience bullishness when there is hype on the token, it will be better and more profitable to invest in Bitcoin, which has a clear future and no one can control its price movements.

The battle AFAIK hasn't ended yet and yeah, no clear winner yet. And that's what makes it lose the interest of many investors that would like to take it.
But even before the battle, I don't like XRP as it's centralized and many have said the reason before. I don't follow it a lot since I don't care at all with it but it's a good discussion as to why it's not making progress unlike other altcoins.

This is one of the reason why I still hesitant to hold XRP and their only way to rise again is to settle the issue with SEC and if they are able to do, probably the hype will be in favor to them. Centralized thing though is quiet getting normal as many project seeks regulations, but with XRP issue most probably many are also doubting as they continue to work with several banks and being centralized meaning if they can easily do what every they want. Better to hold what you can afford to lose, XRP investing is a big gambling for me.

actually, when it comes to transfer purposes, i can vouch for xrp. but holding it long-term, that's the big question? we don't know what will happen with their SEC issues. i don't think it is already resolved. since we have no assurance of its future, just take advantage of its cheap fees for transfer purposes.

You can say that I am kind lf an army for xrp but honestly, I wouldn't think of myself as an xrp army as what you have pointed but I still use xrp for a reason or purpose. For what purpose if you ask me?. It would be to transfer funds platform to platform since xrp fee doesn't cost a lot which is why I can also vouch for xrp if you talk about using xrp for transfers and such. Honestly, I don't even have xrp in my wallet but I have some recent transactions which I use xrp. Although BTC fee right now is not high for me compared to a few years back.

If you have a use for XRP then there is nothing wrong to actually use it, since it would be a mistake to pay more on fees just to try to prove a point, however as an investment the performance of XRP has not been anywhere near its historical rivals, bitcoin and ethereum, and as long as this lack of performance continues, its legal troubles do not disappear and the community keeps distancing itself from centralized projects, then it is going to be very difficult for XRP to have the performance it demonstrated years ago.

You are hilarious. More stable? How? In under 2 years price of XRP has dropped like -75% now. Are you seriously going on the line with bitcoin with some centralized made up currency that doesn't really solve anything? I feel like talking sense to ripple fanbois is futile effort. So at least start by getting your facts straight. No one is scared of XRP and it never had "good reputation" to begin with.
Yeah people are fudding it but it's mostly deserved critique.

Yeah, but I still remember XRP back in 2018, lots of promises and what they are going to deliver and the game changer as far as remittances goes. If I'm not mistaken, they even partnered to banks and other remittances company and probably that is the downfall for them as their name become too attached to banks, hence centralization which goes against what we wanted in crypto, anonymity and some sort of privacy. So going to be very difficult as to what will be Garlinghouse next move to create another hype of this project.

I have never really looked into XRP to deeply myself because it was never on my list of potentially interesting coins for an investment, so i don't really know about what the current status with XRP is or any other details about this project. Being a little bit interested in the crypto space as a whole was enough though to read a few statements from people why they dislike XRP. The mostly used argument against XRP that i have read on the internet was the fact that XRP is completely centralized and for me that is a very big factor to be honest.
Bitcoin and therefore cryptos were invented to put the power away from the banks and to give it back to the people. With a totally centralized coin like XRP this is not possible.

When is the xrp case even going to be ending? I thought it was going to be late last year.