Xrp is a scam, there are many billions of tokens created, then they invent some hack, it always does the same, better trade only with BTC, this way you will surely succeed

Ripple has received conditional approval for a federal banking license, which could allow it to operate under banking regulations in the United States. If granted, the license would allow Ripple to operate as a federally regulated financial institution under U.S. banking law.

The approval reinforces Ripple's position in cross-border payments and in the settlement infrastructure of crypto assets in regulated financial markets. However, this development may not result in an immediate or significant impact on the market price of XRP.