Wow, 8 months later and $0.90 so if you had 100000 of them you would now have, $90,000 instead of $2900. I am glad someone told me about Lumens so I could buy them at .15, then again at .35 when I had some ETH profits I wanted to roll in. Assisting the underbanked is a noble and soon to be lucrative business. The 4 billion people with cell phones who don't have banking services are not somehow inferior to the rest of us, they have been deliberately disenfranchised by the powers that be.
XRP is the innovation the banks should have brought to us 20 years ago since money was their business. Now I would rather have a currency from IBM than from JPMorgan, because IBM is a company that creates actual value, as opposed to one that wants to charge us for counting our money. We can count our own damn money.