With the VISA news, I'm actually optimistic that competition is good for XRP. Eventually I am hoping xRapid proves to be superior and eventually a partnership will happen. All in all I think competition is a good thing when it comes to innovation especially on a grand scale like the financial sphere.
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Definitely, competition inspires innovation as each company is trying to one up each other. If we have just one that acts a monopoly we won't see anything interesting.