Isn't it closed source and run by a single corporation? What's the benefit of being tied to a block chain if for a centralized currency? Just copy the current visa/banking system and you're good to go.
Ripple is interesting. If you're a true believer of the decentralized concept of crypto, you shouldn't like Ripple because it is controlled by a company (but is open source, similar to Java), and many financial institutions use it. So it's kind of towing the line between centralized and decentralized.