I see you did not fully understand what I said in the article. When I made the statement: "But who has the courage to keep a year in these markets?" I have referred to margin trading markets, namely Forex, WTY Oil, Gold, Futures. On Cripto Market I have the courage to hold a position for years, but on those capital markets, no. At this point, no one can determine the value of XRP if it is used in cross-border payments. There are various opinions and theories, but they remain simple theories and opinions. The market, namely, demand and supply will really determine the value of XRP. I'm holding for years on XRP. I bought at 0.20 usd.