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For example. Xrp nearly no fees Could be used for

payments worldwide. What attracts company’s or even people to use Coti for this ?
For what Coti is really useful right now. Not talking in years just right now

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You could say xrp & coti are competitors. They both offer a payment solution and make cross-border payments possible at low costs. I think ripple is mainly focusing on central bank integration, but I'm not following that project closely though. COTI is stepping it up a notch and they are building a complete banking/financial infrastructure. Things like lending/borrowing will be possible without using banks and use your trust score to see if you are eligible for loans (instead of credit scores in traditional finance). Coins-as-a-factory will allow any enterprise or merchant to create their own white-label coins. This article is a must-read if you want to learn more about this: https://medium.com/cotinetwork/beyond-payments-cotis-growth-plan-to-become-a-next-gen-financial-ecosystem-2907949df002

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