@jakeclaverqfaq: HBAR and XLM make the cut when crypto consolidates from 50,000 tokens down to 70 to 100 networks. That is not the question. The question is speed of adoption. Both networks serve retail payments and merchant services, which retail adopts last. Clarity Act needs to pass first. Then institutional flows, then retail. $150 to $300 by summer 2027 is possible. Highly probable is a stretch given how slowly retail moves. #xrparmy #jakeclaver #xrp