Ripple is not just a crypto currency.
Ripple is designed for speed and lowest fees. It is eventually going to replace SWIFT - International Bank Wire transfer which is very slow and charges very high fees. Banks have been testing Ripple's xRapid and are successful in sending funds at high speeds with fraction of the cost. Ripple made a substantial investment in Moneygram. Ripple could become new standard for cross border payments. Ripple has active partnerships with more than 40 banks and some of them major. More than 50 banks are testing Ripple.
So long term prospects for Ripple are very good. With this SEC lawsuit out of the way whenever that is, it could skyrocket.
So Ripple is not dead.
All those usages will be turned into nothing once SEC interfere with this project, the team needs to work it out and make sure that
they are resolving this issue in whatever terms SEC wanted things to be done, it will be a good spark if they'll able to accomplished
the best way in resolve this concern.