payment gateways like ripple will not be possible to replace the position of bitcoin on coinmarketcap, it's just that many big players are there but not for me, even though xrp replaces the ethereum position in coinmarketcap it still doesn't appeal to me
I think for ordinary users like us ripple is not a coin, but for banks this coin is very easy to pay, of course I think for investment you can take but not more than 3% of the Deposit!