From what I can see @humafinance is actually delivering what Ripple failed to do. When I first started looking at crypto in 2017, payments was the thing that made immediate sense to me, and I think that is still the case for a lot of retail investors, and why Ripple is attractive at first. But $XRP as a medium for transaction settlement comes with too many risks. The price volatility of XRP is unavoidable, which is why they are trying to acquire Circle. It is kind of an admittance that their current ODL solution is sub par and flawed. Huma made a deliberate choice to use the stablecoin USDC, avoiding the heavy burden of price fluctuations. Ripple also took took a more “closed-loop” approach, aiming to control and manage every stage of the transaction process internally. Whereas Huma launched their PayFi Open stack and chose to partner with leading players across multiple layers (Solana, Circle, Fireblocks etc). Huma has already reached nearly $4 billion in transaction volume in just over a year, and they expect to hit $10B by eoy. I think they will surpass Ripple's lifetime reported transaction volume in the next few years at the rate they are going. *FYI I have partnered with Huma - also an LP in Huma 2.0 & as always, all my thoughts are my own.