they only can send money across borders in 4 seconds, handle 1000 transaction per second, can save banks 60% on processing fees, already being commercially developed with 60 banks (some of the biggest banks in the world) and 15 other large financial institutions, and already going to be used by japanese banks in next couple of months, Yeah nothing special in it, totally a "scam" coin... you obviously dont know anything about ripple, dont give your opinion on something you know nothing about, if you want to know a real scam coin, its called onecoin