Just to address some of the anti-XRP points I see being raised here, I'll provide some explanation, as Ripple is one of the few coins I've researched enough to talk about above a surface level.

First you must understand two things.

1. XRP is targeted at banks. Not you. Banks, the massive financial institutions that will continue to handle the majority of the worlds financial assets for AT LEAST ten more years. They are not stupid. They see blockchain tech and it's potential. They also have no intentions of being left behind. Ripple Labs are the leading group working with them to innovate a blockchain solution to problems they face in sending international wires, and storing multiple cash positions across their banks in different fiat (and in the future, crypto) currencies.
 
2. Ripple Labs has a massive interest in having XRP increase in value. As many have pointed out, it is totally pre-mined, and 20% is reserved for Ripple Labs to hold. They need that XRP to be valuable. It makes no sense for them to not push for banks to use XRP for transactions. Additionally, 60% of total supply is being put in a smart contract that will keep it out of circulation for at least 4 years, starting in December. Having the coin pre-mined is so that Ripple Labs can work to keep the coin increasing in value at a stable rate once it gains widespread adoption, after those four years. Banks want something stable, which Ripple will be upon widespread adoption. But again, it's in the interest of everyone holding XRP, including Ripple Labs, for them to release those additional coins in a way that helps bring Ripples overall market cap up.

Now, many of you are saying banks will just adopt a more expensive coin, like BTC, to achieve the same thing. This won't happen. XRP is designed to be the most efficient coin for what banks will need to use it for. BTC can handle <10 transactions per second. Ethereum can handle <50. Ripple can handle up to 1000 a second. In addition, each of those transactions settles in less than 4 seconds guaranteed. So there is little chance any substantial backlog of transactions could build up for XRP, unlike BTC. This means Fiat converted XRP can be moved in massive quantities across the globe, instantaneously, at a very low cost. See how this is something banks need? It will drastically reduce their costs associated with moving money between each other, and across borders.

While XRP may not be THE cryptocurrency of the future, it has by far one of the strongest use cases for the next 10 years. Its price right now reflects early adopter interest + some speculation bubble. It's price in 5 years will reflect massive institutions buying XRP en masse to use it to settle cross bank/cross border transactions instantly. So long as XRP remains the preeminent crypto solution for banking, it's price will go up. And, I expect they will maintain their dominant position, given how everyone here (and in crypto in general) seems to think working with banks is a way to guarantee failure. In the very long term? Maybe. But in the coming decade they will be rewarded for helping these giants become more efficient. That reward will be XRP skyrocketing in value relative to it's price today.