Exactly!! I can't count the number of times I had to write this.. And also: This is NOT shares people.. If you buy crypto currencies or tokens, you are not buying a share of the company. It is nothing like buying shares. In fact, the whole market value right now is based almost entirely on speculation of future value of the platform that the token/currency belongs to. And that actual utility and practical value has yet to be proven in most cases. For Ripple.. it's the most tangible concrete use case out there. I advise you invest in long term in projects you can see real world use in. The rest is just for swing trading. Also high risk. Don't go chasing pumps..