While their tech may be functional for purpose to "disrupt" SWIFT, Ripple currently has: 
1) 0 moat
2) Its tech is mostly outdated with no meaningful contributions or updates in the last 7 years
3) Would not be profitable w/o selling $XRP 

I mean the CEO has literally said this 😅

Tokens are periodically released into the market to fund Ripple’s operations. Quite literally another instrument of monetary inflation