Ripple has the chance to go up to 2$ this year. thinking of it's uses when it comes to transacting to country by country can be used for the masses. there is a single thing that can make this not possible it's because of "Centralization" which most of the crypto enthusiast would not prefer using.

Yes Ripple is not a decentralized system. XRP is actually used in day to day basis from banks to banks. it's adapted by almost 50 banks in the entire world.