I certainly don't think it can replace currencies, or even restructure or shaping banking structure, but I do agree it has massive potential. Transferring payments between banks and its speed/scale will be massive. But like you said, it's potential and institutional money is always viewed skeptically in this community.
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@diezeldiddy Dont get me wrong, I think Ripple's protocol is a great piece of sofware, but it absolutely doesn't fit with Nakamoto's original idea of a decentralized alternative currency out of government control. The community has to be skeptical because of their previous actions.