Ripple is not a ambiguous as other currencies. It only focus on international payments, use blockchain block supply for banks with oversea transactions.
Ripple allows banks to save up to 30% of the cost, but for users, this number up to 50-60% for money transfer or payment operations.
Ripple does not have any barriers, payments can be made across borders. Transactions are freedom, directly and immediately with very cheap fees.
You can add Ripple is a centralized coin created by the bankers which is being backuped by the financial instituions like CME,and Wallstreet.Also the coin supply is growing while the price of XRP is increasing which means no matter what happen XRP wont skyrocket because the founder and developers holds the most of the supply.