Hello Heidi,
What's your take on "ripple" or "xrp" which are attempting a payment transfer network? There seem to be all kinds of cryptocurrencies coming out, obviously some handling security, and/or confidentiality better than others. I think bitcoin, ethereum, dash, monero are here to stay but suspect a few others to come out of the woodwork. Interesting to see ripple have the 3rd largest market cap in the world this past week yet they do have a massive volume at around 100,000,000,000 ripple.