Problem is that they are not locking up everything they control. There will be 54 smart contracts worth 1 billion each. That still leaves 8 billion that they can use to pump and dump on the market just as the did at the last ATH where they sold 5 billion tokens then preceded to purchase them back at a lower price.  There have also been strange fluctuations in total token circulation out side of the ATH's.   Because of the fact that they own 62 billion tokens this seems like a straight ATM play for Ripple Inc.  They use the token inventory they have to enrich themselves and their investors by selling high, crashing the market with sheer volume of tokens then purchasing them back at a lower price.  As long as they can keep everyone thinking that they have a viable coin they will continue to abuse their leverage. 

You can't win when the other side holds all the tokens. 

Additionally lets look at total market cap.  There is no real upside potential outside of a long shot year end $1 per coin value that then starts to crash immediately upon the flooding of the market with an additional 1 billion tokens per month.  Total crypto market cap peaked recently at just under 90B. In 5 years 100 billion XRP tokens could be in the wild and for them to be worth even $10 per token that would be a $1 trillion dollar market cap just for XRP alone. 

I just don't see this coin as being anything other then a scam that will be perpetually perpetrated to enrich only the VC's of Ripple Inc.  XRP won't be used by banks and adds no value to Ripple Inc. other then as a personal ATM machine.