What ? It's overvalued atm, because xrp has no usage. Untill Ripple proves XRP is actually used, this is all vaporware. But it's centralized so you woulnd't be able to find out wether or not they'd tell the truth anyways.
You skipped over the part about it's bad design.
Something crooked scammy etc "used" means fuck all.. case in point ETHEREUM.
It really does get old watching idiots ignore the damn code then rail on about "usage"
You all don't get it.. or pretend not to for ROI'z.
And i bet the OP here is the LEO Coin shill from before too.
And.. and..
First thing i thought was maybe the Ripple guys made another coin called SWIFT
Get it ?