Do you think regular people will use XRP for international money transfer? Or will it just be for banks?

This post that recommends both Bitcoin and Litecoin above XRP for consumers who want to make international payments: https://www.keysheet.io/guides/best-coin-for-international-money-transfer/

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Ripple is really focused around building a use-case for banks around XRP for cross-border payments and settlement. But will consumers ever actually use it for sending money across borders? curious what the community thinks!