What is the actual point of XRP?

XRP can't outrun its structural issues... First, banks don't have to use the token to benefit from instant cross-border transfers through Ripple Payments, because the network also supports the use of fiat currency. That means the success of Ripple Payments won't necessarily boost the value of XRP. Second, Ripple launched its own stablecoin at the end of 2024 called RippleUSD. Stablecoins offer…