This special edition is a follow up to my first ebook Crypto Simplified: A Beginner's Guide to Cryptocurrency. XRP IMO will be the leader in cross-border payment systems. XRP is already being utilized in many banks. Making transactions much smoother with less cost and payment within seconds, vs the traditional wires, which is much more expensive and can take several hours. XRP doesn't take away from banks in any manner. However, XRP assists banks with much faster payment processing, which is better for us all when it comes to getting money somewhere fast.