As you said, it's about team efficiency. The team of about 200 people seems to me the best Crypto in the whole world. I trust the Ripple team. The fact that they have climbed up to this point proves it. At this point, I believe 80% of the technology will be adopted soon (within 6 months). Any collaboration or testing with banks takes a long time. In the banking world, implementing software requires a lot of time. If the team will not succeed, it will not be good for XRP. Thanks for the upvote.