XRP seems to be the coin people either love or hate. The haters need to realize that the banks are not going anywhere and acknowledge the fact that we do need the bank today and will need them in years to come. I do fall into the first category and believe that XRP is the coin that is not copying others and does not have much competition in the space while the use case and the potential is huge. I believe all the people in crypto space are frustrated every single time they are sending money to fund their trading exchange accounts since it take several days. On average it take me 5 days to send money to my bitstamp account, not even mentioning fees. For me XRP is no brainer and win-win since you could send your funds at instance for the fraction of the cost.