I think it's a coin with fantastic opportunities and potential, with banks already adopting them and so on.
BUT, it's the whole meaning and ideology behind Ripple I don't really agree with. The centralization nature, for example, and that it'll probably be the banks that will end up using them mostly.
What about you? Agree? Disagree? Thoughts?
They always say that Ripple will use by banks but until now they re not implementing it. I won't be surprise if one day the banks won't use it at all. I've heard that there are banks that refuse to use it.