Ever since i read the news about ripple having a lawsuit by a certain bank ive lost faith in it. Ive sold my ripple thinking that the company would eventually go down and my coin will drop in its value. For me ripple is not one of the best option to have as it may drop its price in the following months.
Just my opinion but if you want to go further with ripple then better read some online articles about them and how things are going with the lawsuit.
Ripple is not decentralized so it is not ideologically in line with what the cryptocurrency community wants to achieve. Nevertheless it is a temporary solution for bridging the worlds of traditional finance and the cryptocurrency paradigm. This gives it value and explains the sharp increase in price we've seen end of last year. I recommend to hodl Ripple and wait till more and more banks will adopt some sort of crypto vehicle this year. It will drive up the price of Ripple imho!