UNDISPUTED FACTS TIMELINE ADDITIONS 2012: Perkins Coie (the same law firm that helped write βοΈ Hinmanβs #Ether Free Pass Speech) informed @chrislarsensf #RippleCredits (aka #XRP) IS NOT a security; The 2012 memo warned Larsen there was a risk under the Bank Secrecy Act (BSA); twitter.com/bgarlinghouse/β¦