The XRP price has dropped by 3% in the past 24 hours, falling to $0.367287 as the market reels from concerns over the financial health of Silvergate Bank. 
Its current level means that it has declined by over 5% in a week and by nearly 10% in the last 30 days, although it remains 8% up since the beginning of the year.
Despite the downbeat news coming from Silvergate, XRP holders have reason to be optimistic over the longer term. …
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