Make sure you understand the mechanics first.

With the Securities and Exchange Commission's (SEC) lawsuit against Ripple, the company behind XRP ( XRP -1.52% ) , in the rearview mirror and a national bank charter application pending, XRP bulls feel there is a lot of momentum behind the token. Given its nearly 440% run during the past year, they have a point. So, with XRP hovering at less than $3, is now the time to buy?

Ripple's success is not XRP's success

The bull case for XRP seems compelling . After years of regulatory uncertainty, Ripple finally settled litigation with the SEC in August, paving the way for increased adoption within the traditional financial system -- the key to driving XRP's price higher. This has always been the core of XRP's investing thesis: As more b

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