A lot depends on how many banks continue to go with Ripple. Ripple really works the banking industry hard as the network of settling payments. Bitcoin is a free for all coin. I kind of liken Bitcoin to Myspace and XRP to Facebook. Or Bitcon to Motorola RZR and XRP to Apple iPhone. Right now the shine is with the Motorola RZR circa 2004. Then comes the Ripple slam as the network nodes across the world are iin place. That then becomes the iPhone. If you don't have that kind of patience you need to be in BCH or the next hot thing.
But there are many others that are being PUMP'ed right now like BCH. That is also a worthless coin. But I love it for its PUMPS. XRP is nothing special. Already has lots of stuff priced-in.
Don't get me wrong; I LOVE <3 XRP... when and IF it PUMPS!
Other than that... totally worthless and not something to hodl.
BUY only on confirmation of PUMP. DO NOT HODL it.