You may have heard that the banks created Ripple for themselves to compete with Cryptocurrency and that it's manipulated by them for their own benefit. You may have also heard about speculation that it was created by The Feds with the aim at flooding the market with low value currency to 'balance things out'. I can't verify this info but what I do know is that xrp tokens will not be used to transfer value, they are just ledgers that will be communicating in the network. The can use other tokens also and ignore xrp if they please. Get out while you can guys... oh also it's just token its not a real Cryptocurrency , it's not even a blockchain.
Also one significant problem!! With the huge debt owed by the banks, not to mention the derivatives that are in the Trillions, if the banks go belly up {ie 2008), then they will seek liquidity. That means dumping their investments in Ripple. Expect a huge collapse of the price if this happens