XRP
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XRP - Reality

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Over 350 financial institutions use Ripple's payment network, RippleNet, to receive payouts in more than 40 currencies across 55-plus countries. The present RippleNet members settle transactions in three to five seconds, compared to the hours or days it could take traditional services.

Ripple has the $ and resources to hire the best lawyers on the planet... that will happen. Combine this all with the fairly WEAK accusation that the SEC has brought forward... we will see short-term volatility YES - but I believe that XRP will prevail in the long term... especially if they win their case. XRP is a utility token, if you acknowledge XRP as a utility token for network usage, it’s nearly impossible to classify it as a security. The SEC's entire case is paper thin. I believe that the SEC is using XRP to place fear into the crypto community.
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Just for fun... perform an XRP transaction for a product or a service... that network operates at BLAZING speed!
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From the Ripple Legal Team:

“This complaint is wrong as a matter of law. Other major branches of the U.S. government, including the Justice Department and the Treasury Department’s FinCen, have already determined that XRP is a currency. Transactions in XRP thus fall outside the scope of the federal securities laws. This is not the first time the SEC has tried to go beyond its statutory authority. The courts have corrected it before and will do so again.” Michael Kellogg, Kellogg, Hansen, Todd, Figel & Frederick
ANDBeyond Technical Analysiscommissionexchangesecuritiesxrp

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