The payments internetworking infrastructure must be designed from the top-down as a result of the banks hold loads of value for payment systems and ripple is made with them in mind, above all cross-border payments. you cannot build it from the bottom-up sort of a grass-roots cryptocurrency movment like bitcoin or stellar as a result of payment systems are the domain of banks and alternative such money establishments, therefore the top has to be targeted initially, not the bottom.
Before xrp will skyrocket in price, an internet,online, web, of value, useful|valuable|important |of import for moving value as easily as the existing internet moves information must be established with new protocols, and these protocols will have to be compelled to be additionally air-tight than regular net protocols as a result of they'll be moving a selected sort of terribly valuable information - cash - and within the future they'll be moving astronomically Brobdingnagian sums of cash (more typically value, like digitized currencies, digitized gold, digitized stock options, cross-border payments, digitized music, ditigized videos, etc., something of value that may be digitized and listed for one thing else of import that's digitized), thus most reasonable current use case for ripple is for moving low-value payments to scale back risk if system is compromised until the related technologies like internet of value protocol(s) is mature enough, tested enough, established enough to wherever the banks will begin moving terribly, terribly giant sums of cash using xrp as a bridge currency, then xrp can in theory skyrocket in price if it catches on with banks and alternative FIs for cross-border payments and is that the most suitable choice for cross-border payments.
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