Ripple is the only crypto currency the is centralised by the banks. This means Ripple can be regulated, abused and manipulated by financial institutions and governments.
Ripple faces:
Total Supply cap: 100 Billion
Current coins in circulation: 38 Billion
Ripple holds around 62 Billion these have not to be release on the market yet
Ripple could be a good investment but being regulated by financial institutions and governments can be it's down falls.