Han Bing directly holds $XRP with fans, and the future is uncertain.

The positive aspects are obvious: cross-border payment is very efficient, confirming in 3-5 seconds, with a fee of only 0.00001 XRP, and collaborating with more than 350 financial institutions. Previously, the law has also loosened; in 2023, the court stated that some sales do not count as securities, and in 2025, there will be a bill to ensure its 'non-security status', which boosts confidence. Ripple also wants to launch the stablecoin RLUSD, which, if approved, will have broader uses.

But there are also many challenges: the stablecoin market is fiercely competitive, and it is uncertain whether its business model can hold up, as well as how regulations will change in the future, which is unpredictable. In the long term, that currency has certain risks to varying degrees, it just depends on how much you understand it and have information about its currency compared to others.

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