Ripple has a pretty interesting objective which is to create a blockchain serving the financial industry and cut down on transaction costs/processing times...especially in banking.
It has a lot of pros and cons, which we touch on in our blog post about Ripple:
https://www.mintdice.com/blog/ripple-xrp-101-guide-to-understanding-rippleWhile many don't think it's a worthy investment, if it's adopted within the industry, the coin could see another upward trajectory.
The con that makes me veer away from is its centralized in nature. Yes, it makes baking transaction fast, but this coin is an outlier for me. It defeats the purpose of decentralization.