Ripple is a useless token. Not sure why people think it's valuable. Banks will use the tech but the tokens will do nothing. Stay away I suggest
Ripple seeks to address a MAJOR banking issue in the current day global financial sector: liquidity management.
The tokens themselves are also valuable. While the company has stated its goal is not to be an alternative currency, using XRP as bridge is highly advantageous, particularly with crypto pairs that are not traded heavily or to incentivize the trading between others currently not practiced.