XRP maintains a single, unified price across all holders and use cases; the value of XRP is determined solely by its price on the mainnet, and there is no possibility of different pricing tiers for retail versus institutional holders.
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Is there a possibility XRP could be held at a lesser price for retail and appreciate only for banks and corporates? Nope. XRP is worth XRP.
Whatever the price is on the mainnet is what it's worth. You can't have a different side chain or anything like that. I literally asked David Schwartz that specific
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