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All I know is you buy the "coins" at current rate and if all goes well, the value goes up. Then you can move it to some kind of virtual wallet which converts the coins to USD and then you can withdrawl. Xrp is at roughly .40 per coin right now so the initial investment isnt nearly as high as bitcoin but according to some folks, it has the potential to surpass bitcoin in worth. That being said, I don't know if they think bitcoin will bomb and thats how it'll be bigger or if it will surpass current bitcoin rates. But, at .40 per coin, I'd say it's worth a $100 investment. Not a huge loss if nothing happens but could stand to turn that $100 into a lot more money. That's just my understanding of it.
