I'm not sure I would invest in any of them, because their supply is just to big. They are not scarce, so I don't think they will ever be worth that much. As far as technology goes, they will probably be very useful to banks, and I would put my money on XLM because it's now backed by IBM, so it will probably be the one with more potencial. I'm not that familiar with any of them, so this is actually a blind pick on IBM itself, rather than the coin.