#Smart Contracts
Smart contract is a blockchain-based algorithm that's activated automatically in case when certain conditions are met: it's hack-proof and reliable.
Ripple CTO Says Lack of Smart Contracts Is Good for XRPL but Admits Ethereum Was Wildly Successful

Ripple CTO David Schwartz has shared why XRPL does not have smart contracts and explained the benefits and drawbacks of this compared to Ethereum