I do have questions about XRP still, as to why a product of another company will trade independent of the company?

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That is a good question to ask.

At the base of it, asking "what is the value here?"

If XRP has such a good ledger, why would companies/banks/individuals choose to use it over one that is truly decentralized and permission-less? I'm not sure how they make a better case to be used as a value transfer mechanism over Bitcoin. It seems to me that it will continue to trend down over time in BTC terms.