Maybe you should take the 4 seconds yourself: Google what a cryptocurrency is. Then notice that it doesn't apply to Ripple.
There was no reason for it ever to have so high value. It's 100% speculation - as such it can crash as quickly as it rose - for no other reason than speculators changing their mood.
You're hopeless. It's the same thing as arguing with a religious fundamentalist. What do you want me to answer to that "It's 100% speculation" claim? Bitcoin is not speculation? Ethereum is not speculation? Are you serious?
Do you know how Ripple Consensus Ledger works? Do you know how it can be used to route transactions through Interledger Protocol from private bank ledgers via Escrow? Do you know how PayChan works?
Get a fucking clue.