Actually ripple is potential and possible to lead the market but there are more potential than ripple. This is the reality.
Yes you are right it has good potential in the future because
Several Japanese banks started to use MoneyTap mobile payment application.
Ripple and the Japanese financial giant SBI Holdings are working on its creation and implementation.
The payments do not require commissions and are made in Japanese yen or foreign currencies.
On the website it is stated that the application allows real-time interbank payments using xCurrent technology, which does not involve the XRP token.
The application is available for devices running Android and iOS. When sending funds, MoneyTap uses the phone numbers or QR codes of the recipients. The application is also supported by devices equipped with a fingerprint scanner.
In September, SBI Ripple Asia announced registration with the Ministry of Finance of the country and obtained the status of a licensed agent of electronic payments.