It has little to no competition in regards to its operations. It is moving $2T Trillion with a "T" dollars daily around the world. Look at their customer base already. It seems to be a solid setup - unlike many alt coins that appear to be basement startups. It has the support and eye of major banks and international institutions, a hedge fund now using their software/XRP units and American Express adopting it last week. Ripple is here to stay. In March XRP was $0.01 - that is a 25x return. $5000 in March is $250,000 Grand today. A hundred bucks in Ripple in 2015 is $5000 today. Yes - past performance never equals future performance or returns, however Ripple is setting up a solid record and I trust the guys who are talking to me and sending me info on it.