Mike Novogratz’s take on XRP and ADA highlights a valid tension in crypto: as the market matures, utility trumps hype. But let’s not mistake short-term pivots for long-term irrelevance. Ripple’s cross-border payment solutions and Cardano’s enterprise partnerships (like its recent deals with Ethiopia and the UN) are already building real-world use cases. The shift to “business tokens” isn’t a threat—it’s a catalyst. Innovation thrives on pressure. Yes, adoption takes time, but exponential growth isn’t linear. If XRP and ADA adapt, they’ll carve new value. If not? Well, that’s the beauty of disruption—others will step in. Either way, the ecosystem evolves. [1][2]

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