
Brad Garlinghouse just challenged Michael Saylor's entire Bitcoin strategy. Garlinghouse argues that borrowing billions to buy more BTC is just financial engineering, while long-term value comes from real utility. As an example, Ripple is expanding institutional adoption through XRP-powered payments and RLUSD, which recently launched in Japan with SBI after regulatory approval. � Ripple +1 So who's building the future: Bitcoin accumulation or real-world blockchain adoption? BTC maxis vs XRP Army... let's hear it. #BTC #saylor #Xrp

