So, about XRP, it's kinda crazy, right? Basically, Ripple Labs created it to solve a real problem: making international money transfers faster and cheaper. And that attracted big banks who saw an opportunity to improve the traditional financial system. The issue is that XRP is pretty centralized — Ripple still controls a lot of it, which goes against the decentralization idea that crypto usually defends.

On top of that, the battle with the SEC is ongoing, and a lot of people still bet that Ripple will come out on top, which keeps the coin's value up. But in the end, XRP is more of a coin for banks than a "people's crypto." And there are other solutions popping up that do the same thing, like Stellar, which is more decentralized.

In short, XRP is worth what it's worth because of speculation and because banks still believe in it, but I don't think it has much utility outside of that. It might work out, but it could also crash. Who knows?