We are in the crypto space , with the hope of complete decentralization .. projects like ripple and the one you just mentioned above may not last for long as they would always have conflict of interest, hence i do not see them succeeding in the long run
On the brighter side the airport in Brisbane has started accepting cryto as payment that is the sort of progress we would love to see
I cover daily crypto news so if you're into that do give it a read
https://steemit.com/altcoinbuzz/@steemaze/cryptocurrency-news-ripple-with-uphold-crypto-airport-japan-regulation-robinhood
Cheers :)