I don't want to spoil the party at all but I seriously question anyone's ability to pick coins that will be viable long term. Just like very few were able to pick Amazon, eBay and Priceline during the dot com era.

With that being said, Ripple does seem a bit shady in a way that it is centralized, Ripple Labs controls over 60% of outstanding tokens and all of those bank partnerships have nothing to do with XRP.