"I think the discussion shouldn't be about whether Bitcoin or Ripple (XRP) are currencies. Clearly they are stores of value. And they are also means of exchange. One real opportunity is for these intermediary stores of value (between state backed currencies) to enable friction-free cross border transfers and payments. In the case of Bitcoin, there is a flaw in the architecture that makes this hard (delayed transaction completion). XRP seems quite suited to this however." - Keith Teare