Seriously? Do you know that XRP coin has no use on the Ripple platform? The platform can operate without XRP coins at all! The only objective of this coin is to make developers rich. All coins are pre-mined and concentrated in developers hands. So, when they want money thay sell these useless coins to hamsters. Please, take some time and search info about Ripple platform. It'll save your money.
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Right, and I can ride a horse from NY to Miami but I think I would rather fly in an airplane.  Customers can send payments via Swift GPI or Ripple's XCurrent but both solutions still settle in FIAT.  XRapid and now R3's Corda Settler allow for Real-Time Gross Settlement using XRP all without the clients needing to hold XRP.  Its facilitated through market makers (exchanges).  The new version of XCurrent includes a feature called Multi-hop which allows for clients to settle in XRP in corridors with appropriate liquidity with no additional risk or compliance issues.  Given that XRP is rapidly expanding liquidity worldwide time is running out if you are betting on the current correspondent banking system to remain status quo.  Are you even aware that banks and corporates are holding >$10 TRILLION FREAKING DOLLARS in nostro/vostro accounts worldwide just sitting idle because the current SWIFT system requires these pre-funded accounts to do business globally?  XRP is the only digital asset set up to solve this >$10 T problem.  Nothing else is fast enough AND has appropriate liquidity and trust in the market- certainly not Nano or XLM.  XRP will be the global standard for cross border payments.  I'm holding XRP for 5 years and will retire, will you?  

Oh and for all the other scared FUD out there check out this website...

https://fudbingo.com