Mostly because of past proven success... They are currently 3rd and although they are relatively quiet in bringing out news they do keep adding new banks to their users. I think other crypto's will grow faster relatively, but i think Ripple will still hold a strong position
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I can see your reasoning behind that.. But be sure to remember the whole saying "past results do not guarantee future performance".
Yes, Ripple is a huge disrupter in the banking industry. I believe they will continue to do so. I hope it translates into a higher value of XRP.