Well, given the total supply is 99 billion (yes, billion) coins of which c 60% are held by one institution and it is built to replace current banking SWIFT system, you have 1) ridiculously huge supply of coins meaning market cap is always huge and price won’t easily rise much due to it 2) a single actor that has economic (US Dollar) interests as refers to its Ripples as a „war chest“ (ie they will spend them at some point) and 3) to replace SWIFT it needs to be cheap so banks use it. I am no expert but these three things on the surface make it unattractive to me.