XRP is a bit tricky to evaluate. The company is already having a huge network of various banks and many clients from big financial institutions who are interested in using their services to reduce costs. The price itself kinda depends on these partnerships and therefore doesn't really move much. You have to consider that it's a higher cap coin, which means pumping any value into it requires substantial amount of money invested. Back in the day XRP was making headlines by convincing various banks to use their services, last months I haven't heard much developments for XRP which makes me wonder myself where all these partnerships are ending up. Personally I'm not invested in it but I think it's a solid coin and you should consider adding it at your portfolio for some longer term returns.