True, but if you gamble in XRP, the reason XRP has not taken off and forming a base like Litecoin, Ethereum, Bitcoin, etc. is the constant selling of Ripple insiders every month dumping their 300 million to 1 billion on the market. Also, 100 billion circulation doesn't help. Yes, after the lock-up, Ripple still sells XRP's every month.
RE: Get out of Ripple XRP, as Ripple cannot take XRP to China banks now, given China's new anti-crypto policy and closing exchanges news.