According to the most optimistic forecasts, in 3-5 years the technology will be able to capture 30-50% of Bank transfers, and by 2027-2030 it will completely replace SWIFT. Such cooperation is beneficial to all — not only ripple, but also to banks, which create favorable conditions for customers and increase opportunities. The protocols in the network guarantee the protection of transactions and the anonymity of users (if required). Unlike blockchain technology, which is typical for competitors, it is easier to establish regulation and resolve the issue with the legislative authorities.

If the company will continue to attract banks and there's a big breakthrough in relation to the system of government by the financial institutions, the rate of XRP in 2019 will exceed 5-7 dollars, and the capitalization will rise above the level of Ethereum. Today, the difference in this indicator between the coins is only 2 billion dollars, but this threshold is easy to overcome with the growth of Ripple against the stagnation of the Ethereum exchange rate.