Sep 5, 2018 · 1 min read
Disagree with the author that XLM and XRP are worth holding.
XRP is centralized. It is used for money transfers. Most crypto can do this. What makes XRP special? The fact that it is trying to tie itself to banks?
XLM is the same as XRP. The end goal of XLM is to give away 95% of the tokens to poor people. Remind again, if something is given away over time, what value does it hold for current holders?