Wanchain is ETH XMR & XRP all in one. In theory, it is superior to all of them. Firstly, it is a fork of ETH so has smart contract capability but already has POS and private transactions. It is better than XMR because it generates a new one time address for private transactions everytime. Lastly it is better than XRP because it is actually decentralised and can allow banks (and normal people) to not only do settlements but also provide credit and lending facilities. The icing on the cake is that Wanchain connects all blockchains with its interoperability features."