Always in hell with some qualifications XRP has already won and SWIFT (US's world financial system) is way behind trying to catch up - Ripple Smart Contract Patent, SMEs & Cashless Society (australia's tyanny about it is using covid-19 as launching off platform, and as precedent to the rest of the world) https://www.youtube.com/watch?v=bKfLVP0uaG8&ab_channel
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