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From a purely price perspective, Ripple XRP has been a huge letdown over the past two months. But a closer look at the fundamentals reveals huge potential for the digital currency, even as the skeptics continue shouting from the rooftop. Institutional Value No talk of Ripple’s merit can begin without mentioning its status as an institutional asset. Although much of the public discussion around cryptos is price related, Ripple is creating business value regardless of what the ticker says. Case in point: a consortium of 61 Japanese banks has used Ripple’s technology to develop a mobile app that settles payments instantly. On Wednesday, Ripple announced that the...

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