if you don't care about speed or costs Bitcoin is fine. Its more of a store of value in my book instead of a medium of exchange. Worldwide, and for cross border payments Ripple/XRP is a great position to alter the way money is transferred/converted between banks. TODAY, SWIFT is an ancient and very much outdated system hanging on for no good reason. Why do banks continue to pay and use this error riddled system. You have to look around but there are a number of coins with use cases and who solve problems. Thats kind of the trick of Crypto, finding the projects at low prices. I'm in Cardano at 35 cents Good luck to all and it would be great to have more discussion on Crypto. Thanks, Mike