Monero is okay and used monstly for under the counter transactions, it's quite safe but I'm wondering how it keeps that position, as the most valued pivacy centric coin. It's great but there are other alternatives out there that are so much better, so start with ,we have Zcash which uses a more advanced protocol than Monero. Zcash protocol will be implememnted in many big networks, including private one's from banks and financial institutions, this can already give you an idea about the level of innovation we are talking about. If a company decides to implement a solution it's probably because they can't implement it themselves difrectly. Zcash did exactly that and everyone is now interested in implementing their protocol, that should be rewarded in my opinion.