Subject: File No. S7-10-21
From: JM
Affiliation: Software Trainer

September 10, 2021

1. Do you have one or more online trading or investment accounts?
Yes, I have one or more accounts that I access online using a computer.

2. If your response to Question 1 is Yes, do you think you would trade or invest if you could not do so online using a computer or using a mobile app?
No

3. On average, how often do you access your online account?
Daily/more than once a day

4. On average, how often are trades made in your online account, whether by you or someone else?
Once to a few times a week.

5. If you access your account online, did you have the account first, and only began to access it electronically later? Or did you open the account with the idea that you would access it electronically immediately?
I downloaded an app or visited a website first, and then opened up an account with the company

6. My goals for trading or investing in my online account are (check all that apply):
Save and grow my money for medium- to long-term goals

7. What would you like us to know about your experience with the features of your online trading or investment platform? (Examples of features are: social networking tools games, streaks, or contests with prizes points, badges, and leaderboards notifications celebrations for trading visual cues, like changing colors ideas presented at order placement or other curated lists or features subscription and membership tiers or chatbots.)
I use crypto exchanges. I own XRP and am unhappy that the SEC lawsuit prompted all exchanges to delist XRP. Exchanges offer me the opportunity to buy, sell and trade crypto using the knowledge I have obtained from my research into healthy projects, like Ripple. I'm an adult, am smart, and can make my own decisions on how to invest my money. I know the risks. If the SEC wasn't impeding Ripple's work, the world's unbanked, and investors like me, would be able to use XRP in our day to day lives to buy goods and services

8. If you were trading or investing prior to using an online account, how have your investing and trading behaviors changed since you started using your online account? (For example, the amount of money you have invested, your interest in learning about investing and saving for retirement, the amount of time you have spent trading, your knowledge of financial products, the number of trades you have made, the amount of money you have made in trading, your knowledge of the markets, the number of different types of financial products you have traded, or your use of margin.)
Wasn't trading before investing in crypto. Crypto exchanges have leveled the playing for for average investors, such as myself.

9. How much experience do you have trading or investing in the following products (None, 12 months, 1-2 years, 2-5 years, 5+ years):
Stocks : 5+ Years
Bonds : None
Options : None
Mutual Funds : None
ETFs : None
Futures : None
Cryptocurrencies : 2-5 Years
Commodities : 2-5 Years
ClosedEnd Funds : None
Money Market Funds : None
Variable Insurance Products : None
Business Development Companies : 1-2 Years
Unit Investment Trusts : None

10. What is your understanding, if any, of the circumstances under which trading or investing in your account can be suspended or restricted?
If I do not meet specific guidelines, that's why I like crypto exchanges. Once I complete the KYC fully, they know exactly who I am. If the SEC would regulate crypto, FAIRLY, crypto investors could operate without wondering if the rug is about to be pulled out from underneath us. I continue on with my crypto investments, not because I am defiant but because I know the SEC, CFTC and our government will do the right thing and follow the rest of the world in properly and fairly regulating crypto currencies

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
I'm watching the rest of the world grow their crypto currency projects, making great strides that will positively impact their citizens. I want to believe our government will do the right thing and fairly regulate the crypto currencies (XRP) that have great promise for making a real change I how society does banking. If allowed to continue on, Ripple will create a level playing field for citizens throughout the world, at a time when every one could use help in keeping their businesses and families financially sound. Wouldn't it be great if an American company was allowed to make such a profound difference in the world? Settle/Drop the case so they can continue on with their visions and goals Restore our confidence in the SEC and show us that you truly are here to protect investors and work on our behalf. All I've seen so far is the SEC staffers have done what's best for their personal investments and future roles with Crypto Exchanges, Crypto Law Firms, and Crypto Projects.