Ripple. Some hate it, some love it. Whether you support it or not due to its involvement with government it is no doubt an outstanding long term investment. Currently they are being commercially developed with 75 customers, 60 of them are banks and the other 15 are other large financial institutions. The Ripple Consensus Ledger can handle 1000 transactions per second compared to Bitcoin's 3-6 transactions per second and Ethereum's 15 transactions per second. Furthermore, Ripple's ledger can send and confirm payments in 4 seconds, yeah you read that right 4 seconds. The deal with banks is that if multiple banks start using a system that saves them money, which ripple can save banks 60% on processing costs, other banks will fall under the use of ripple because they all flock together under one wing. When the SWIFT system came out all the banks suddenly started to implement the system because it was a faster way of sending money across borders. The funny thing is SWIFT takes 5-7 business days to send money across borders compared to Ripple's mere 4 seconds. The CEO of SWIFT even left to go join the Ripple team which proves many officials already know how much of an impact ripple will have on banks. Miguel Vias, the founder of Ripple buys as much Ripple as he can, this means that he knows some crucial information that the average Joe doesn't which gives me a sense of security. His wife gets mad at him because he buys so much! Ripple Consensus Ledger might be used one day as the bridge between all transactions which would revolutionize the cryptocurrency market in itself which would mean you could send any cryptocurrency to someone