First of all why did you post this kind of thread here on Bitcoin Discussion tab?

why would a regular person even pick Ripple? dude it's centralized they can do what ever they want to implement to XRP unlike most of the decentralized coins/tokens. some here does have a chance that can make you a millionaire in the near future. but, predictions would be just predictions. some of the cryptoes here I personally do believe that has a future. who knows what can happened?