I do see Cardano in payments but they are building cosumer facing not in the same content as Ripple and XRP. Next, Cardano is still finishing its first layer. It still need to build, test and implement its smart contract layer.
Cardano’s future contribution in the payment space will compete with other smart contract projects like Ethereum or Flare Networks.
The payment and finance space is huge and many are confused thinking that all projects will all do the same thing.
Ripple along with Stellar, Xin-Fin, and Algorand are building “The financial foundation” that will enable these other projects to fufill their full potential. These are ISO 20022 compliant. The only compliance that will allow them to communicate with Central Banks and other financial providers. They will host, transfer value between CBDC’s, and bring the banks de-fi services.
This layer is where commodioties, stocks, bonds and derivatives will be tokenized.
Building a blockchain is only the beginning. It is the protocols that seperate what they can and will do. Think of vehicles as an analogy. They all provide transportation but some are built for speed, some for luxury and comfort, some for rough terrain, some for emergency, some fly, some float. Each to it’s own purpose. Understand for crypto now. Not one crypto project winner… many, each for it’s owm purpose. ADA and XRP are apples and oranges. They will not serve the same exact purpose.
You may not understand for a while but what Ripple has built is huge and it is the ONLY project that will connect everything. It will enable blockchains that are not compatable to flow by allowing assets to move from one to another.
Don’t buy a token based on if it will be “a winner” and thus go up in price to sell for a profit. Take some profits if you must but a few of these tokens you will be able to stake and loan in the new GLOBAL FINANCIAL SYSTEM. You will be a bank and provide liquidity. The very concept of money will change. Most will only see the apps, enjoy speed, pay and bank on the phone. YOU have the unique opportunity because you know this is 'the back end" Don’t fall for the false crypto narratives. BTC is a trap. Now go find out for yourself.