the utility of this crypto currency is obvious: the developers are actively cooperating with banking systems in order to introduce their technology into them. The Ripple is designed to make payments and transfers with low fees and do it much faster. Being on the third place by capitalization, Ripple does not slow down, but on the contrary tends to rise higher. despite the fact that the exchange rate is constantly changing, there is no negative news about Ripple, so you can not only earn on Ripple in the short term, but also invest for a long time.