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Yes I mean Ripple's starting point kind Of our first use case for the technology The blockchain technology and the Digital asset xrp was to solve that Crossb payments problem right Swift is Quite Antiquated kind of designed 50 Years ago it's slow it's Expensive and that's what we're on the Precipice of Coach once one of these Governments one of these central banks Makes the shift towards digital assets Every other bank will be at a Disadvantage