Perhaps you met many scammed coins while you were investing. XRP is good and transparent coin . It is considered as future digital currency after bitcoin and many big financial companies and organizations are using this coin as central payment system . I think you did not research fully about this project .
XRP is the future.It is not something to be neglected.I usually don't promote altcoins but XRP has caught my attention recently.They way it's price is peeking,the way investors are dealing with it shows uncanny resemblance with bitcoins in the early days.