That was the question, is the question and will be the question for a long time. Ripple actually has built a very good ledger and platform for cross border exchanges. And the SWIFT network is the middleman of the middelman centralized fallacy of fallacies.
However, Ripple has become another centralized version of a fallacy themselves.
Hide blockchain from their marketing hype and what makes you think WOW? That's the biggest problem for Ripple because they aren't some new decentralized eliminate the middleman philosophy at all. They are just a different version of SWIFT. Time will tell.