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RE: Will XRP be used in cross-border transfers? Original article! It's worth reading.
I am bullish on IOTA long-term. If the team behind it deliver on their promises, it will be an absolute killer coin to have in your portfolio.
Ripple concerns me a bit, because if banks don't adopt it soon, or indeed come up with something better, it will surely die?
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.