I don't imagine that this will happen this year, however close by three years this is a significant achievable objective. They have concurrences with numerous huge banks.
This is a general perception and all the people are worried about the future of the crypto but remember as long as you do not sell, you do not loose the money. AS far as ripple is concerned, it might gain some weight if Bitcoin started growing and we are hopeful for the rise and that you will recover your money and might incur some good profit as well. Just hold and sell high.