I did not know about Dash. Makes sense. I believe Ripple will become huge. They're essentially the only ones working with the banks.
I don't see how XRP for us customers fits into the scheme. They can't explain it well either.
I do hope XRP price will shoot up. I hold XRP. I have Ether, Stratis, Verge and ARK for example.
I see your point, what I think is that now is a bank tool but so have been many financial instruments... one of them is bank-notes!