Instantly means in negligible time. The 10 to 30 minutes needed for BTC transactions is not 'negligible'. Put it in a real world application and imagine McDonald's accepted BTC. LOL...I used to get bent at the little old lady writing out checks....now I've got to wait on you and the superior BTC payment network.
As you've clearly changed the meaning of next to no time (instantly) to mean 10 to 30 minutes. By 'Ripple offers zero value in the payment system' do you mean it offers 10 to 30 times the value of the existing system?
As I said...it's impossible for zealots to grasp. When confronted with the shortcomings of BTC, they'll use every logic fallacy known....change definitions of words, set up straw men, ad hominem attacks, etc.
I didn't know that I could send you Litecoin and you get Bitcoin....let alone USD, EUR, etc. ...and no, you don't have to use the banking system to move money within the Ripple network either. For example, you can put cash in via ZipZap.
Learn the facts first, then feel free to distort them however you choose.
Stop being dumb. Ripple doesn't enable instant payment either. Whatever your send via Ripple is useless until the recipient gets what he really wants.
If a vendor wants to receive 10 BTC for his product/service, getting an instant IOU in Ripple is pointless. He will still need to wait for 10 to 30 mins for that BTC from Ripple to come into his real wallet.
If a vendor wants to receive $10,000 for his product/service, and he is located in a small town in China, getting an instant IOU in Ripple is pointless. He will still need to wait for whatever amount of time needed for the money to be wired into his bank account.