the ideology behind ripple introduces the conventional banking world into digital assets, thats just like putting fiat money on top of that. American xpress should not be relevant in future because it got not much potential in case of relevance in crypto space. There are many better ways in technical aspecst.
Why i talk about american xpress? Yeah it's one of the big investors ..
That could be relevent atm but think of it in ten years. Happy new year!