Ripple is what it is. The coin was launched by a company providing friction-less P2P payment system which is adopted by lots of companies. However, coin itself has nothing to do with payment system. So what ever growth we see in price of Ripple coin is just based on news and FOMO. There is hardly any possibility of new development in coin so don't expect any good news in future. However, everyone knows only 40% of total supply is currently circulating and rest supply can be released by team anytime so there is indeed risk keeping XRP. On the same note, it is possible too that coin boom again due to future news and FOMOs like it did in past days. So only keep coin if you have courage to lose money.