Smart contracts are one of the much talked about little-used promises of the revolutionary technology brought by the blockchain. The problem with them in their current form is that they aren’t very user-friendly and can also be expensive to use. These are the reasons that Ripple Chief of Technology Stefan Thomas has created Codius, which he calls an operating system for the blockchain as part of his new company Coil.
https://www.newsbtc.com/2018/06/07/ripple-exec-launches-smart-contract-platform-rival-ethereum/