What reason?
Ripple is the fastest coins I ever seen who got into that rank in coinmarket.
How?
I think due to hyip demand in advertisement and due to there tie-ups.
I think Ripple can manipulate banks if all countries allow crytocurrencies.
But not 100% XRP can!
Why? Because not all doing business are into tech savvy. We need also physical money to pay them off.
If I where you invest crypto with your own risk.
Cryto like Ripple does excess but it will take risk to manipulate whole banks in the whole world.
Just enjoy trading or HoDL for near success.