The XRP is a centralized cryptomoeda that does not seek to reach the common citizen, it has as main target the banks and the big companies: it wants to allow that they transfer any assets, not only criptomoedas in time.
Ripple is the 3rd largest cryptomedean with a volatile nature, in 2017 alone, XRP gave 36000% returns, users can choose Ripple as a long-term investment device, as it seems to me a promising investment.
Some predictors say Ripple could hit $ 19.2 per 1 XRP at the end of 2019.