I would add ripple in there as well. Looks like a few banks are about to test transfers. If the banks start to jump on board in large numbers because of cost savings it could really launch it.
Many people do not like ripple because it is not fully decentralized but it does many of the things the financial world wants at the speed they need.
Apologies, I should actually edit my post. I actually do hold XRP... To be honest I am expecting a bit of a jump in XRP when the US banks open ;)