My vote goes to Stellar (please don't take my word for it though).
It is more accessible to businesses and individuals, it is backed by a tech company (IBM) as opposed to financial institutions (BoA, Merrill Lynch), and the coin is actually used in the network.
Qash and Request Network also have teams with high prospects in this area, but ultimately for one of these to succeed the use-case will have to be the force driving the valuation of the coin.
We will have to wait and see.
In case you haven't heard, this is also coming up