Ripple is not blockchain. He is centralized.
Bitcoin at this stage can't be used for business. Do you saw the speed of his transactions? Now Bitcoin is a valuable asset and the engine of the entire industry.
I agree bitcoin still not suitable yet become currency for transaction but that doesn't mean bitcoin can't become business, see even with that speed there are exchanges and sites that accept bitcoin and in the future the speed will be increase when the lightning network has stable
Blockchain can't become a business but it can really help the business process, it can help business transaction from all over the world, and the transparency of the transaction is recorded in the Internet so it really help prevent scamming