I think Ripple/XRP was a damn good buy at recent prices... 60 odd cents, hit $1.30 today. They've already got 150 banks testing xCurrent (doesn't use XRP) but I see it as the lube for xRapid (using XRP) for a further 30% saving (for fiat to fiat international transfers). The Ripple team personally hold XRP, so they'll want to see it do well. xRapid has already been adopted by Moneygram and SBI. You then have it popping up on gateway fiat to crypto exchanges (Zebpay in India just added it today which i think caused the spike in price). The masses will go for the accessible, cheaper option. I don't love what it's about but I think it's dumb from a business perspective to dismiss it so easily.