I'm not optimistic about ripple. It has a capitalization of $ 120B and it's nowhere used a centralized pseudo-cryptocurrency. No real cases in the world, not including pilots and tons of marketing. So I don't concern it's good for longtime investments still it has no real cases. Of course you gotta keep an eye on the news but still it survives and grows only because of marketing and hype. I'm sure it's gonna grow more soon but if there won't be real cases of using I think it's gonna fall one day.