You're hopeless. It's the same thing as arguing with a religious fundamentalist. What do you want me to answer to that "It's 100% speculation" claim? Bitcoin is not speculation? Ethereum is not speculation? Are you serious?
Yes, if you can't argue against what I said, then best invent points I've never made and then defeat them.
Do you know how Ripple Consensus Ledger works? Do you know how it can be used to route transactions through Interledger Protocol from private bank ledgers via Escrow? Do you know how PayChan works?
Which means it's not a cryptocurrency, but a private bank coin. Did you actually look up yourself what you said I should?