Re: HELP: have some difficulties to fully understand Ripple...
Seems to me Ripple's greatest weakness is it can be so easily forked.
They do have a hefty head start and other advantages. And they rely on a simple fact that once the system is working well, it's much better to join and rip the benefits, rather than compete.
The problem is will there ever be one day the system works well
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What about SWIFT? Several bunches of non-colluding banks in different countries cooperate to process transactions 
Exactly what I meant, banks/clearing houses suck, that's why Bitcoin was created. And you want to reinvent the wheel by replicating what the banking system has done, playing on their home court, good luck with that.