$XRP Everyone keeps talking about the "crazy utility" of XRP and how it’s the main reason beginners like me should sell for 2x gains right now.

But here’s the thing—I don’t understand it. Unless someone can break it down in layman’s terms (simple enough for a complete newbie), does XRP’s utility even matter? If I can’t grasp what makes it special, can its so-called "utility" really hold any value?