Ripple is just the theoretical currency. Spenda are not building a currency merely facilitating payments. Nor are spenda a foreign exchange agency which is what is absolutely destroying cross border payments, on top of market risks.
the offering will be the same regardless of ripple or fiat trash. That’s why, if you believe dave, spenda are making their platform ripple friendly. It will be huge.
in summary: the problem they solve is cash flow
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