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Continue to ChatA bank-issued digital asset can only really efficiently settle between the banks who issued it. I strongly believe banks need an independent digital asset to enable truly efficient settlement, and we believe XRP is best positioned for that role. - Brad Garlinghouse from https://whatsmyquote.com/quote/a-bank-issued-digital-asset-can-only-really-efficiently-settle-between-the-banks-who-issued-it-i-strongly/page/2