Ripple seems too good to be true kind of an altcoin but the truth is that, for banks to be able to use it and smoothly get the job done, they are trying to push the prices down and would like to have it dumped more. My hold is on BTS, bitshares has the capability to compete with Bitcoin in terms of scalability where it is currently processing more than 700,000-900,000 transactions each day and will be scaling up to 100,000 transactions per second in the near future. It's price is very cheap compared to many cryptos that just went up like Rex to Riches without any reasons.