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This might be a good business/legal strategy... Behind closed doors,

ask the SEC: If Ripple divests more of its XRP hodlings, then would the SEC consider it sufficiently decentralized and no longer a security? If so, then how much... If they say 20 billion XRP, then divest of 20 billion XRP... by giving amounts to financial institutions on the condition that they utilize XRP in at least 50% of their cross-border transfers for the next 3-4 years... That will put XRP "on the map" / satisfy the SEC and legitimize XRP / and greatly increase Ripple's remaining XRP hodlings... AND OURS!! IMO

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