It is interesting to see the differing Blockchain ecosystems evolving in the market place. Some are extremely focused on what they want to achieve and are leading the way, to make the technology add real value in the real world. Ripple is probably the best example of this with their increased adoption by banks. Many using it internally first and growing what will potentially be the biggest disrupter in the International Payment Industry. As the adoption increases and the eventual trust between banks improves, then the real value of the technology will be felt. Unlike other Blockchain solutions, this technology can scale and was designed to do so from its inception. Many leading banks have been part of its development and its eventual adoption in the network. The key differentiators will be: instant payments, lower costs, predefined costs agreed by all parties and the ability for direct bank to bank settlement, across any global region.