Are you seriously stating that XRP has failed? You must be one of the guys who have invested in crypto just for "a quick buck" and clearly know nothing about the technology and fundamentals behind it. As we speak, Ripple is working with hundreds of financial institutions around the globe who are more than happy to utilize this ground-breaking innovation. Obviously most of them can't do it before legislation are in place. And I hope you realize this sort of stuff takes a bit more time than just a couple of years. Fully implementing new payment systems takes YEARS, not months.
As said before in this thread and also in my honest opinion, XRP is still most likely to succeed among all of the DA's out there. After the legislation are in place we will see XRP worth of billions of dollars move around the globe