XRP is strong coin, despite of it is not totally decentralized, and it owns by a company, it the second biggest cryptocurrency now in market capitalization. The applications of XRP in banking and money transfer is what we need to improve the modern financial system
moreover in the future the increasingly sophisticated technological tools will be more sophisticated and maybe the system will get better. Ripple is a centralized Cryptocurrency and he is a big competitor of Bitcoin. the application of banking to transfer money and prominent global improvements, this can be achieved by accelerating financial transactions both locally and across countries.