Community

Appears to be less convincing logic to know the cards industry will be disrupted because of other Innovations.  The statistics always suggest continued/increased use of Cards.  The another fundamental reason for cards industry sustainablity, for example Credit Cards, is a credit service rather an instant debit in other cases.  It could be, perhaps, digital cards may reduce the physical usage, but the Cards industry will happily survive !

As I identified long time ago, Ripple has the constraint of having its own Ripple network to engage the Payment Value Chain providers for instant settlements. In order to be real time, not just among its participants, but across banking institutions - there must be a different way.

Also possibly by adapting flexibility and be open to options, it can be one of the strong player in the Payments eco system rather an end to end player.