First let me start by saying I am no expert and this isn’t looking for financial advice. I’m just curious as to opinions. Crypto currencies aren’t really a new thing but definitely a hot topic in my work place ( I’m a business banker ). I’ve heard tons of talk lately about bitcoin and XRP aka Ripple. I’ve stated to educate myself and I find it interesting. At first I was skeptical about any form of currency I could not physically hold. I did some research and decided to make a small investment 2 weeks ago and it has done quite well. My investment has grown 4 fold. I truly think this is the way money is going in the future, the near future. Banks around the world are jumping onboard and slowly United States banks are coming onboard. Real life testing of moving currency across borders have been successful. My question is what do you all think? Is this the new way send money? Is this the new money? Is this just a fad and will crash and burn?