Ripple is garbage, so I hope stellar overtakes them completely and ripple completely falls to the wayside. The Dev team for ripple owns 55% of the total supply for tokens, that is madness. As their coins become unlocked they can dump on everyone at any time, and they're unlocking up to 1 billion every month. On top of that, why wouldn't banks make their own blockchain instead of using ripple, it'd be like giving away half of their value by using ripple and not their own name brand like Chasecoin, or something like that.