your using xrp does not make it undervalued...

there are many coins that can do it and they are undervalued. Ripple owns 60 000 000 000 xrp.

lots of people bought into xrp knowing or assuming that banks will use it. banks do not need it and banks do not use it. full stop.

listen to the podcast (xrp is overbought,  transactions fees need to be adjusted, banks are not using it, too much speculation...)

https://soundcloud.com/bitcoin-podcast/the-900-billion-problem-how-ripple-makes-bank-to-bank-transfers-compliance-faster-cheaper