Misconception:
Ripple can just make more XRP whenever they want.

Answer:
This is impossible due to code in the XRP Ledger that is defined as “invariant checking.”  This checking verifies all proposed transactions against the system invariants.  This includes checking against the maximum possible supply of the ledger’s native asset XRP.
Sources:
 https://twitter.com/JoelKatz/status/934752544013803521



Misconception:
If banks can use Ripple technology to process payments without using a cryptocurrency, why would they ever use XRP?

Answer:
Because using XRP will save banks even more money.
While the xCurrent solution uses the Interledger Protocol to process payments without using a cryptocurrency, using it will result in cost savings estimated to be somewhere around 33%.
However, if banks or other large organizations use XRP to process payments using xRapid, it will allow them to realize savings between 42% and 60%.
Sources:
https://ripple.com/files/xrp_cost_model_paper.pdf
https://ripple.com/insights/ripple-and-xrp-can-cut-banks-global-settlement-costs-up-to-60-percent/


Misconception:
Ripple (the company) doesn’t need XRP to succeed.  They could abandon XRP altogether.

Answer:
Ripple is the largest holder of XRP, the native digital asset of the XRP Ledger.  Because of their substantial holdings of XRP, the company stands to benefit from the appreciation of XRP.  In addition, we can see that the company’s business plans are squarely centered around adoption of not only their technology solutions, but around the adoption of XRP.
This is evidenced by the following facts:
•	Creation of the xRapid solution, which specifically requires XRP
•	Encouragement of XRP market trust via the escrow agreement
•	Company stating that a healthy XRP ecosystem is “top priority”
•	Specifically creating the position of “Head of XRP Markets” within the company
•	Alliance with BitGo for custody solutions for banks and financial institutions to hold XRP
•	Focus on xRapid trials with major remittance companies like MoneyGram
•	Seeking out hedging solutions for volatility management of XRP holdings
•	Consistent comments from Brad Garlinghouse (CEO) highlighting XRP’s virtues and strengths
•	Consistent support of new exchanges for additional XRP liquidity
•	SBI Virtual Currencies only supporting XRP at launch
•	SBI Virtual Currencies supporting xRapid integration
•	Talking to bankers about XRP liquidity solutions at SWELL
•	CEO of SBI remarking that he’s “…all in on XRP”
In addition to these and many other data points, investors should know that many of the original founders of Ripple have substantial personal holdings of XRP.  Of all the individuals involved in Ripple’s efforts to champion adoption and usage of XRP, they are among the most well-incentivized.
Sources:
https://ripple.com
https://ripple.com/dev-blog/explanation-ripples-xrp-escrow/
https://ripple.com/insights/ripple-escrows-55-billion-xrp-for-supply-predictability/
https://twitter.com/bgarlinghouse/status/953676992313872384
https://ripple.com/insights/cme-group-executive-miguel-vias-joins-ripple/
https://ripple.com/insights/q4-2017-xrp-markets-report/
http://fortune.com/2018/01/11/ripple-moneygram-xrp-cryptocurrency-bank-transfers/
https://ripple.com/insights/q4-2017-xrp-markets-report/
https://www.coindesk.com/ripple-claims-3-money-transfer-firms-xrp-2018/
https://twitter.com/bgarlinghouse/status/958063773985599488
https://twitter.com/bgarlinghouse/status/933437163445743616
https://ripple.com/insights/sbi-virtual-currencies-to-exclusively-list-xrp-at-launch/
http://bitcoinist.com/sbi-holdings-to-list-xrp-at-the-launch-of-sbi-virtual-currencies/
https://youtu.be/64Eacp46BQo
https://twitter.com/yoshitaka_kitao/status/940785785925709829
https://www.forbes.com/sites/laurashin/2018/01/02/meet-the-crypto-billionaires-getting-rich-from-ripples-xrp/#7d7a60783289