Key PointsXRP has greater utility than meme coins, but it's been trading like one recently.While it has the potential to add efficiency to cross-border transactions, it faces significant competition.10 stocks we like better than XRP › There's been a broad sell-off in the crypto markets over the past year. Not only is Bitcoin down more than 35% during the past 12 months, but other, smaller cryptocurrencies are doing even worse. Dogecoin is down a…