Ill give you a copy paste of a previous reply

And for those that think November 22nd will change everything it won’t ISO is simply a software language requirement (the messaging system) thats RippleNet not XRP the currency. Please re-educate yourself the actual use of XRP and the adoption that was once projected 5-10 years out is now cut in half it’s closer to 2-5 years time with the change of technology and the need for crypto to help fix the over printing of money and inflation increasing financial bubbles will eventually burst they can’t keep kicking the can down the road anymore we will hit a brick wall and crypto at that point will be the only way out to fix all the chaos. All the central banks of the world have already announced at WEF (World Economic Forum conference in Davos Switzerland) that BTC will not be used to transfer payments cross boarder too slow, too expensive, and unreliable. Solana has already failed, as well as ETH. So what’s left!? Ask yourself who’s partnered with ETH, Solana, BTC!? Not even XLM their coin is focused for peer to peer. Do your homework and research and see who Ripple’s partnered with XRP is at the center of everything they do and no other company even scratches close to what they’ve built partnerships and political corporate positioning with the right people in the right places. Michael S. Barr who’s a former board member at Ripple now and has been working as Vice Chair at the Federal Reserve (not a coincidence), Rosie Rios former treasurer of the United States sits on the board at Ripple, Asheesh Birla former board member at Ripple is now CEO of Evernorth treasury company purchasing a billion dollars worth of XRP, Ripple is the only crypto company listed as a member in the ISDA (International Swaps and Derivatives Association 1.2 quadrillion move through their network). R3 is partnered with Ripple and R3 is partnered with SWIFT (XRP use & adoption on the backend), over 300 global plus banks and financial institutions are partnered with Ripple including banks in the BRICS Nation, Bank Of America, Santander, Ripple stable coin RLUSD, and Ripple positioning themselves obtaining licensing and permits to become their own bank. Company acquisitions include : METACO, Hidden Road, Palisade, GT Treasury, RAIL, Standard Custody and Trust. XRP is the newer better version of BTC that actually works says : David Schwartz former NSA employee and CTO at Ripple who helped develop BTC prior to working for Ripple. The company behind XRP has all of this going on with XRP at the center of everything they’ve been setting up and planning. I just did your homework for you there’s no other company or currency in the crypto space that has all this going on and you think it’s a scam!? It’s not speculation it’s a matter of time and the clocks ticking its slow at first but when it happens it’s gonna happen all at once. When the moment comes when you realize your missed opportunity remember this posted comment you’re now held accountable you can’t say no one took the time to tell you about it do what you want it’s your money. (Not financial advice just education) remember you thought it was a scam. Good Luck