A lot of large banks are beginning to use ripple for that; the dao smart contract failure caused banks to become uncertain towards eth because losing 2 weeks of data in a hard fork for them is a lot of work, that they can not afford to lose.
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There are too many emerging altcoins that will do the same thing, possibly better. It's inevitable that a better option comes along.
Absolutely, if nothing else came along crypto would be boring lol