You lost me at the point that you took 60% off the XRP price.
The 60% savings is on the cost of *transferring* the $3 trillion.
They will not actually reduce the amount being transferred by 60% down to $1.2 Trillion.
So I'm not sure why you would take 60% off of the $270 price of XRP?
Ripple-XRP, page-192
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