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Hey Paul,

I'm a bit surprised you did not mention Ripple and XRP. Ripple has been in this space for close to 10 years now, building banking connections all over the world.

In fact, I believe very soon banks will use XRP for cross-border payments (and for CBDC interoperability).

I fail to see how the latest newcomer will have more pull than Ripple... but regardless, I think not even mentioning it might have been an oversight.

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