Ripple has already had a big market cap and it is hard to x3 or x4 the price of Ripple. Waves is still a small coin but it has a big potential to change the world. Base on what I know, we can create the smart contract as well as token on waves blockchain. If you want to be rich, investing in waves is the best choice. RIpple is a safe option. If you want to increase your balance steadily, ripple is more suitable for you than waves