Bill Morgan, a well-known pro-crypto lawyer, has confirmed using XRP for direct payments. In a recent social media post, Morgan responded affirmatively to a community poll questioning XRP's real-world utility as a payment method. The poll emphasized XRP's use through POS systems and supported debit or credit cards. Morgan's endorsement has reignited discussions about XRP's potential as a payment asset, even amid recent price drops and decreased on-chain activity.