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Ripple as a whole doesn't seem like a good thing for the average person. This seems to be the big banks version to keep the system afloat doing the same old thing no?

What is the major disruption that ripple does to set it apart from other ledgers?

Very good article. I was about to start a similair discussion. Investing in cryptos is still a risky thing. We do need to look better at the insights of every coin. What team is behind it, is there any management. How strong is the product, is there any product at all? I was wondering if anyone of you uses: https://www.coincheckup.com This site did all the research for you. It's truly amazing. For example: https://www.coincheckup.com/coins/Ripple#analysis For a complete Ripple Detailed report.