In my opinion, XRP has one good point: a near real time validation/ transfer / confirmation time. Really cool capacity when comparing to other coin (BTC, ETH,...) validation time. But this coin is also very centralized (was near totaly premined, and is not mineable) ... Bank and centralized organisation will like XRP !!!, not sure that other one (miner and community) will like... But for sure, it was the best profitable coin in 2017 ! And has potential to continue to grow and overtake BTC marketcap really soon, if banks and other actors continue to invest in it.... :)