ripple is a farce and has nothing to do with crypto...
https://cryptoyoda1338.wordpress.com/2018/01/04/the-truth-about-ripple/

and I quote:
XRP is 100% premined, Ripple holds 60% of the supply, controls which nodes are selected as “trustworthy” to confirm transactions, while they have paid nothing to create those tokens that people are so willingly buying at $4+ per piece and thereby make the creators insanely rich. Let us call it what it really is, digital fiat, the renewed version of the debt-based traditional fiat system, leveraged by latest technology – which eventually has nothing to do with cryptocurrency whatsoever.

there's more in life than paper money profits...