bitshares can do anything that ripple does in a decentralized way and much more...The risk of dumping XRPs is huge whether bitshares whales have locked their funds in collateral and do not sell a single one even after the huge rise in price in all time high..Because most bitshares holders know that bts price will rise above anyone's imagination very shortly..
The fallacy bitshares people and investors have fallen into is that technology equals adoption. It does not. Ask big bankers if they've heard about bitshares. They haven't. Ask if they have heard about Ripple, chances are they have.
When a product can't find it's way into the hands of a consumer, due to a failure in an area of business strategy, usually doesn't matter if the product is better. Bitshares is a better product that can't find it's way into the hands of large institutional banks, and they probably wouldn't trust it because it doesn't come from the corporate world they are used to.
Bitshares people need to change strategy. Their technology is just fine, but to advance their platform, they need to branch out into getting their product used by real businesses. Businesses don't usually adopt the best technology, I have worked at several. Very often they adopt what a salesman is able to help them integrate, which usually isn't the best.