Most critics of cryptocurrency always point out that the currencies cannot be used for payments in real life. Recently,
XRP are now used for payments in three companies. I become optimistic on altcoins when I knew this. Share your thought on Altcoins as payments below.
I don't want to underestimate significance of this occasion (which is indeed very important for the whole cryptocurrency industry), but in the end Ripple is strongly centralized cryptocurrency with several unanswered questions about market manipulation.