At current circulating supply that would give Ripple a marketcap of $38.7 Trillion with a T. What overall percentage of trade will be conducted in OS tokens vs. centralized models? Ripple is centralized, private trade system and is connected to the incumbent financial system. History is on the side adoption of innovation is occurring faster than ever before, after all, we have the internet. I still think that $38T is shooting a bit high. Lower your expectation and you will have better results in investing.