Ripple - a cryptocurrency that ripped a big hype. The advantages of the platform include high speed of transactions, the original system, the presence of a large number of partnerships with large financial institutions and low costs. Despite this, today it is impossible to predict the unambiguous success of Ripple. The platform has enough competitors. Including its main rival - SWIFT. The financial industry does not respond to innovation too quickly, preferring well-established methods and systems. Therefore, it is difficult to win even with technical superiority.