"MEME-coins" and the Risks:
1. Lack of Intrinsic Value:
Memecoins, like those launched on platforms likeoften have no fundamental value or utility. Their worth is largely speculative, driven by hype, social media trends, and influencer endorsements rather than any underlying technology or business model.

2. Volatility and Pump-and-Dump Schemes:
The market for these coins is extremely volatile. Memecoins can experience rapid price increases ("pumps") followed by equally fast declines ("dumps"). This pattern is often orchestrated by a few individuals who manipulate the market, leaving many investors with significant losses.

3. Lack of Long-term Viability:
Most memecoins have a very short lifespan, gaining attention for a brief period before fading into obscurity. This short-term focus means they're more akin to gambling than investing, with the potential for complete loss of capital.

4. Regulatory Risks:
Given their speculative nature, memecoins are under increasing scrutiny by regulators. There's a risk that they could be outright banned or heavily regulated, which would severely impact their value or liquidity.

5. Community Dependency:
The success of a memecoin is heavily reliant on community sentiment and marketing. Once the community moves on or the hype dies down, the coin's value can plummet.

XRP's Potential to Change the World:
1. Utility in Cross-Border Payments:
XRP was developed by Ripple to facilitate real-time, cross-border payments. It aims to solve inefficiencies in the current banking system, where international transactions can be slow and costly. XRP acts as a bridge currency, allowing for quick conversion between different national currencies.

2. Liquidity Provision:
Ripple's technology uses XRP to provide liquidity on demand for banks and financial institutions, potentially reducing the need for pre-funded nostro/vostro accounts, which could revolutionize how banks manage international liquidity.

3. Regulatory Clarity:
Unlike many memecoins, XRP has been engaged in legal battles to clarify its status as a cryptocurrency rather than a security. Although this has been contentious, a clearer regulatory path could make XRP more attractive to traditional financial institutions, enhancing its utility and acceptance.

4. Adoption by Financial Institutions:
Ripple has been working with numerous banks and payment providers globally. Continued adoption could lead to a broader understanding and trust in blockchain technology for financial services, shifting the perception of crypto from speculative to practical.

5. Changing the Crypto Narrative:
XRP's focus on real-world application could shift the narrative from crypto being seen as a tool for speculation to an integral part of financial infrastructure. This could lead to a more mature view of blockchain technology, emphasizing its potential to improve financial systems rather than just creating wealth through market swings.

6. Impact on Financial Inclusion:
By making cross-border payments faster and cheaper, XRP could significantly impact regions where banking services are limited, promoting financial inclusion.

In essence, while memecoins might capture the zeitgeist for a moment, their impact is fleeting and often negative in terms of investor education about crypto risks. In contrast, XRP's focus on solving real financial problems could lead to a long-term, positive shift in how cryptocurrencies are perceived and utilized, moving the industry from a speculative bubble to a foundational technology for global finance.