It's time to watch how would the future bank and financial system work after the rapid adoption of Ripple and Stellar and the disruption stirred by them.
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I think very soon stable coins will replace Stellar and Ripple, they propose better solutions for the world
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Still, it will take enormous amount of time to introduce cryptocurrency working on a daily basis. I mean, bank will fight it back as long as they can. :]
Ripple and stellar aren't really cryptocurrency to me, the centralized nature of it...how to buy bitcoin