I think ETHA Remittance Solutions is on the right path to this, given enough exposure.
I know you're here to bring attention to your solution, but I actually agree that there will be a variety of players in this space.
Those that are crypto-savvy like me would just transfer crypto and avoid using a remittance service.
However, I think that the majority of world citizens will need to make use of traditional banking and remittance providers, and those are the ones that Ripple is targeting with xRapid.
Frankly, I'm not even sure ETHA Solutions will succeed, but all new tech or innovation had in the beginning, different flavors and then eventually one will rise and be dominant among then. For the customer, they get variety in their choices.