My approach doesn't even consider what protocol it's using.
I don't care if it's a fork off the dining room table, unless it has real world practical use, it's not going to be around long.
As far as I can tell (and I haven't researched it that deeply) Ripple is pushing itself as an alternative to the US Banking oligarchy controlled SWIFT network. There are enough people in the world who want that for it to have some staying power.
Stellar (IIRC), markets itself as a micro loan/payment system aimed at the 2+ billion people who don't have banks on the planet. As the old saying goes, "A billion here, a billion there, pretty soon, you're talking about REAL money."