Are Ripple And IOTA The Future Of Cryptocurrency?

What sets Ripple’s XRP apart from other digital cryptocurrencies is that XRP is the optimal solution for institutional use in all global payments.

There are some customers that are using something called xRapid which is actually Ripple’s liquidity solution. This means that payment providers and banks can use XRP to make these payments on demand, which will cost less than half of the current cost and all this without intermediaries. But this is still a fragile territory for banks and payment providers and it will probably take some time before we see the broad usage of this assets.
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You should know that bans in Japan and South Korea have already begun testing the blockchain technology of Ripple.

Ripple is stable and is successfully dodging the bubble talk that all the other cryptocurrencies have got caught up.

As far as IOTA is concerned, the Tangle grows every day and each day more participants perform transactions so the entire system becomes safer and faster. IOTA also is trying to establish itself as the backbone of The Internet of Things. With the growing number of the connected devices, a very powerful and central network backbone is a must.