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RE: Why in 2018 will XRP still be better than the BTC?

Agreed, it's also a matter of their hands being some what tied. Sure you can show them the 60% savings but they can't just dive into xRapid and expect all the other institutions to follow. First they dip a toe then splash their foot. After they are waist deep it's arms up on the side of the hot tube with a glass of champagne. At that point others will join.