in my opinion the best altcoin in terms of utility is ethereum and ripple. I chose ethereum because almost all ICO platforms use eth and I also choose ripple because with the technology that is owned by ripple we can exchange easily with local currency. ripple technology can also make it easier for us to exchange ripples with currencies in the world because ripple is already connected with banking services in the world.
you are wrong again. Ripple campaign is associated with banks and has some use and implementation, but the XRP coin is not used by banks. when will you understand this?