Why Ripple (XRP) is the next step in Crypto

I've been reading on crypto for around 4 weeks now, and programming websites professionally and for freelance for around 20 years now. When I read about crypto, I am more inclined to think on the use cases for the end users and the potential for mass adoption.

If you are reading this, you probably know what BTC is already: a coin, a currency, a mean of value, something that stores and represent value.

If you own some BTC, or any coin, and if there was a way to simply pay in the coin of your preference at any moment, instantly as you do with your credit card, that would be good news for BTC and crypto holders, but, what about credit?

The world seems to run on credit and without institutions and regulations, in a world where crypto is widely accepted, who will issue loans, who will regulate interests, who will run credit studies, etc? How will BTC holders recover their money if the person doesn't pay, etc.

XRP was designed for institutional banking, runs 1500 transactions per second, can work offline and the transaction cost is way cheaper than any other crypto. It reduces traditional banking fees without getting rid of them and they have a solid platform with very solid, enterprise-like documentation. For an institution, they are reliable.

One can get very techy and idealist with the technology not being decentralized, perhaps institutions can work in a hybrid way, using say Ethereum or some other coin underneath and charge less for the transactions, distributing part of the txn fees among miners and holders, but that is an uthopy.

For me, the next big step in crypto, is the adoption of blockchain technology in traditional banking and XRP is the platform that is ready for it, it is not just promises.