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I currently use Ripple exactly how it was intended - as a unique tool for the transfer of value. At the moment, Ripple can be used as a low volatility, safe haven currency that facilitates reinvestment into other cryptocurrencies. For example, if I feel Bitcoin and Ethereum are in an overbought bubble and about to undergo price correction, I convert my ETH and BTC to XRP (instantly and it feels so good), hold my XRP position through the price correction, then reinvest into ETH and BTC at a lower price. For guys like me, who are trying to get a DAPP development team together and push crypto into mainstream utilization, investment tools such as XRP only serve to help bolster funding that can and will be reinvested into cryptocurrency. Right now I own a Ledger Nano S (not a shill, but I highly recommend it for $70) and would love to see support for an XRP wallet on the Ledger - it would enhance XRP's position as a safe haven currency. I believe in the instantaneous nature and capacity of Ripple - not every cryptocurrency has to be an earth shattering anarchist's dream. Enough about me - if you have a hardware wallet that you want to support XRP, I'll happily support the cause and send the dev team an email. And if you're interested, you can vote here to make Ledger support happen -- XRP support for Ledger. Good luck in the cryptosphere!