Certain countries such as India have banned cryptocurrencies and in certain countries laws on digital currencies are unclear. On the Ripple network, users are allowed to be anonymous. However, most governments are likely to have a problem with it.

Though governments cannot disable the XRP ledger, they can restrict people from buying XRP using fiat currencies such as USD and INR. In India, RBI has banned people from using credit cards to buy Bitcoins.

There are a lot of cryptocurrencies in the market with Ripple. Some of them are legitimate, some are scams. However, it would take time for the governments to understand the potential of cryptocurrencies. They would have a much harder time to distinguish the legitimate ones. Hence, it is hard to predict how the future of cryptocurrency will shape out.