Payment providers use xrp to expand reach into new markets, lower foreign exchange costs and provide faster payment settlement. Banks and payment providers can use the digital asset xrp to further reduce their costs and access new markets The btc/xrp chart is literally down on btc after 10 years, ripple labs is known to continuously unload tokens onto the market keeping the price down
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For r/cc and the crypto community space, when you look beyond people hating xrp because other people hate xrp, the common theme of the complaints is about centralization
Instead of mining, xrp was generated and ripple makes money off of the distribution of xrp.
Ripple connects banks, payment providers and digital asset exchanges via ripplenet to provide one frictionless experience to send money globally