Now we have Paypal entering the crypto space and honestly I am not sure why Paypal will not introduce XRP to its 286m worldwide customers.

Ripple CEO Brad Garlinghous said in a article 'no keys, no withdraws' to show his disbelief. 

Just in 2nd Quarter Paypal had $220 billion worth of payments being processed.

I will not be surprised if we see introduction of XRP by time of launch next year.