Well I know Ripple are making strides within the banking sector, and there is also a lot of fud fomo posts on I think all currencies. Yet only a few have potential for real use case. Ripple for banking and stellar for general transactions. What I am interested in is what others think of these coins and what their opinions are.

What are your reasons for thinking Ripple is a spectacular coin. After all unlike btc it is centralised.

Do you think it will become an alternative to paying for goods?