I am not optimistic about Ripple and there are some reasons for it. Ripples founders will love to tell you about the high-profile deals they are conducting with banks around the world, particularly in Japan and South Korea. But what they conveniently leave out is that these banks plan to use Ripples revolutionary software but not XRP. Think about it.
There is some truth to this statement.
Some Centralized authorities are warming up to the idea of a decentralized ledger. However, not just anyone will be allowed to have access to the ledgers.
I recently read about the EUs study on blockchain technology. They believe in implementing blockchain but only if a central authority runs the decentralized ledger. lol.
On the other hand...
99% of the cryptocurrencies have no working product. Ripple is one of the few techs out there that has been implemented by established institutions(if only as a test).