I think what Ripple is doing is not just, 'Hey, how do we enable banks' - it's a broader effort in how can you enable an Internet of Things and connected devices that are economic actors to pass a couple pennies.
Blockchain technologies will change transactions in a broad way.
Blockchain is like the new big data or AI - too many people are using it as a buzzword and not focused solving a real problem. We like to call them Blockchain tourists!
To me, if we're not failing a little bit, we're not trying hard enough. I think great cultures encourage risk and are tolerant of failure. If you don't do that, you're going to end up with a culture that is stagnant and not thinking about the next generation of products and experiences.
I think most of the ICOs you're seeing are not real token use cases. They're really securities, so I think the SEC should regulate that.
If Ripple as a company went away, XRP would continue to trade. To me, that's the definition of decentralization.
