The year 2020 was not very enjoyable for everyone, waiting for its early end. By the end of the year, however, Ripple was the one company most affected. As it happens, the Securities and Exchange Commission (SEC) is suing the company. They allegedly sold securities disguised as XRP tokens for seven years. How Ripple did it, for so long, is not clear to anyone. But since the SEC is the US government regulator (whom most of the community’s crypto does not like), Ripple’s excuse will take a long time.
I suggest you figure out what’s going on.