Does Blockchain based Ripple has the capability to overtake SWIFT in banking sector?

This is an interesting topic and I share my opinion about it. View the original post written by me on Quora.com  

Ripple XRP is a financial crypto and centralize which is bad thing because centralize nature of a crypto currency is not good for investment point of because company can manipulate its price. on the other hand XLM is better alternative of Ripple XRP.

1. Since last one year Ripple failed to integrate XRP into banking system. except some announcement.

2. In countries like India where crypto is neither legal nor illegal so it will very hard for Ripple to convince Indian banks to use XRP for cross border payment.

3. In future anything can happen but bad thing is major portion of Ripple XRP is owned by Ripple Network.

As per my point of view holding small amount of XRP is good for long term investment but investing large amount in hope of it will go to the moon will not happen. If in future banks start using crypto for cross border payment then they will use XLM because it is cheaper than XRP, Fast and decentralize. 

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