ripple is one of the most exciting projects available in the market right now. It is a project based you the idea of global value transfer and real time gross settlement (RTGS). Many companies and banks like santaders and unicredit are adopting ripple for payment settlement. This is one of those projects which can truly revolutionize the current banking scenario and with more banks adopting it you can easily expect it's price to be above 10$ By end of this year for sure.