Ripple the future of payments? Lol, yeah right. But, I bought XRP @ 1/10 penny and loads of it so I'm not complaining :D. ETH, I bought loads at 9$ when it was starring me in the face at coinbase. So, tbh I believe DASH can take over as payment processors. XRP is for banks, ETH is just smart contracts. BOTH of those cryptos have use cases but as a payment processor? ICO's are already testing ETH and slowing it down.