Google this: atomic swap

 All banks wil uses blockchain in the future, no not our cryptos
Also not ripple.

If they wil come (there wil be) an atomic swap u can pay with it. (Cryptos)

Yes i think cryptos wil gain much more a couple of years but there is something bigs needed to servive ,like a finincial crisis , where people lost hope in banks
 

Look at China i give it 5 to 10 years there wil be a crisis.
China is in a houses bubble with 80 million houses in it.
China isnt cheap any more because people get 3, 4 times more paid than a couple of years ago .
China explosive growth will stop soon or late (looks the same as germany back in the 60)