Well, Ripple will most likely do alright but XRP is in major trouble.
Now since the first one has used copy-paste of xrp's code the foot is in the door and opened the floodgates.
Every Bank will create its own token as it is the cheapest way.
Creation and maintenance is next to nothing and lots of Banks already have contractual agreement to work with Ripple and use their services.
It is plain and simply stupid to think an Indian Bank will use the same xrp as a American Bank one or a Nigerian one ......
By no means will it stop at Banks, Tokens/Coins will be as common as email addresses and the common reference point is Bitcoin the "President". Every President has a running mate which obviously must be very similar in every aspect (not from the opposition camp) and "clean" of scams.
You could call it the "Bitcoin Standard".
A system of providing and controlling the exchange of coins, in which the value of the coin is fixed against that of Bitcoin.