SEC New Document Allows Investment In XRP

The SEC just cant seem to make up their mind.  Coming from an updated document on January 4th from the SEC website, they have stated the following:

In light of the extremely complex nature of the legal analysis regarding cryptocurrencies to determine which ones are securities and which ones are not, Bailard has decided to allow investments in three cryptocurrencies – Bitcoin, Ethereum, and XRP – that are generally accepted to be currencies and are not currently subject to regulation by the SEC. These three cryptocurrencies are treated as Non-Covered Securities. Outside of these cryptocurrencies, investment in other cryptocurrencies is prohibited. Please note the following:

Here is the link to the archived document:

https://www.sec.gov/Archives/edgar/data/1048702/000119312521047532/d119950dex9928p7.htm