As ripple focuses on its speed performance. It is impossible to ignore this issue. So, if the speed of a traditional Bank transfer is 3-5 days, then ripple will take only 4 seconds to make the reception of funds, perform the conversion into cryptocurrency, transfer money, convert them into the requested currency, and issue to the addressee. For comparison, the ether will need more than two minutes to confirm the transaction, bitcoin more than an hour. Very good performance for the currency of the future!
Ripple is a really good coin, but it still has many problems to using for payment.
According my experience, I used Ripple to sending between exchange usually have the problem more than when I use Ethereum or Bitcoin to do the same purpose.
Those situations made my mind scare the stable of Ripple's system when I want to transfer money for urgent cases.