We all know that banks aren't going to buy into complete currency decentralization, so that is why XRP and other more centralized coins will gain momentum because they will essentially become the stop gap solution between what we have now and what consumers actually want. Bitcoin
was the disruptor showing that money will flow away from current financial implements with the right tech...with blockchain being that tech. However, Bitcoin
has it's limitations...settlement speed being the primary one. To compete with the "big boys", the toolset has to be fast and scalable, to which XRP is currently proving out. XRP won't be the only coin with this feature set, but once banks and other financial establishments partner up, it will be difficult for other coins/tokens to capture that audience.
Cryptocurrency or some other digital currency will be the future of finance and will essentially change the world we live in.