This is the problem that Stellar (https://stellar.org) can solve better than Bitcoin. Unlike Bitcoin which takes 10-30 minutes to confirm transactions, Stellar takes seconds with its new consensus system (https://medium.com/a-stellar-journey/on-worldwide-consensus-...). This eliminates the need for mining which consumes a exorbitant amount of electrical energy. Stellar is also built to work with a diverse set of currencies (USD, EUR, CNY, BTC etc).
I'd bet my money on ripple instead of stellar. RL is more professional and has much better personal resources. From Stellar Foundation I've seen only a chain of fails - initial distribution using facebook, modifying consensus and blaming RL for breaking it, STR auction, promised&undelivered STR distribution to BTC&XRP holders, community communication, mccalebs secret bitcoin projects revealed as just a ripple fork with no real innovation..
Ripple Labs is strong in the business development side. Stellar's new consensus system is very much different from Ripple's. I would say the Stellar's FB distribution is a major win since over 4 million people have signed up.
