Here's a few reasons why you should NOT invest in XRP:

1. RippleLabs owns vast majority of XRP and has said they will dump it strategically in order to create a stable price. So if it begins to "moon" you can expect a large amount to be dumped by RippleLabs.

2. Billions are also owned by the original Dev who is allowed to dump 0.5% of trading volume per day. Looking at price history we see every spike is followed by a slow and steady decline to original price. This is because RippleLabs and Founder are dumping XRP.

3. The tech that RippleLabs is working on with banks has NOTHING to do with XRP. Ripple has two different functions, and XRP is used by smaller organizations who don't have the resources banks do. Even if Ripple experiences mass adoption by banks, there is no guarantee this will translate into demand for XRP.

It is a bad investment imo.