Also what is not perfect about ripple is the amount of transactions they can handle each second which is:

Ripple Consensus Ledger Can Sustain 1000 Transactions per Second
https://ripple.com/dev-blog/ripple-consensus-ledger-can-sustain-1000-transactions-per-second/

It's better than bitcoin (7 tx/second) and ethereum (20tx/second), But Visa can do 2000

For Ripple to beat one of global leaders of credit card transactions, it still has a lot to improve.