And Ripple the protocol != XRP which is kind of funny with the ridiculous valuation of XRP. XRP is a pregen (shit)coin which banks would be loathe to use.
I am not going to make a comment about coin valuations - that is a different discussion.
You were looking for an example where something useful that creates real value for customers was created. I simply gave you an example of something that does.
When/if financial institutions start using Ripple the protocol for real then I will agree that it creates a real value for customers.
If I order an eval kit for the latest RPi clone and I do not use it after a week of evaluation it is debatable whether the kit created a real value for me.