Ripple !! it is not a CryptoCurrency!!

Some people feel XRP may be able to rival Bitcoin and Ethereum in terms of success, even though the three assets are nothing alike whatsoever. Unlike cryptocurrencies such as Bitcoin and Ethereum, Ripple is not targeting the same market.

More specifically, the company wants to make the financial sector more efficient using blockchain technology.Bitcoin and other currencies are designed to rival banks instead of helping them.

It has never been and it never will be advertised as such. XRP is the native asset of the Ripple ecosystem, which can be used to facilitate real-time transactions across national borders.

This concept is quite appealing to institutions dealing with cross-border payments on a daily basis. Funds can be moved instantly at very low costs.In fact, the company has a lot of support from Asian financial institutions. That support will only keep on growing for the foreseeable future.
It isn’t a decentralized cryptocurrency by any means.The project has a fast consensus model and doesn’t rely on a mining process to generate new coins. At the same time, most of the available supply remains in the hands of the company.

Lastly, Do you really think banks who work on less than 1% margin on their transactions are gonna use a currency that sees 20% fluctuations on a daily basis?