This might get down voted but ah well, this is not an attempt FUD I just want someone to prove this guy wrong!

https://www.gfmag.com/global-data/economic-data/26gzj8-payments-volumes-worldwide

“Total annual payments worldwide by banks and non banks total to about $800 trillion. Let us imagine everyone of these payments was done via XRP (ludicrously tall stretch but let's go with this assumption for now). Since an end-user, particularly institutions will want to minimise exposure to volatility, they will hold xrp for the minimum duration it takes for two xrp transactions to complete (acting as bridge which is what xrapid usecase is). Ripple themselves proudly say that this should be in the order of 20 seconds at max (thus pitching to institutions that they are not exposed to volatility). 800 trillion of annual payments average to $500 million every 20 seconds. So in that ludicrously optimistic scenario of worldwide exclusive ripple usage for payments, $500 million worth of XRP need to be actually held at any given point of time. So the market cap is already 40x this scenario.”