It is 100% long-term investment. Although Ripple is considered a cryptocurrency, it differs from others by its features. For that reason, a lot of people are very skeptical about it. At the same time, it has a very huge potential. Ripple has a lot of influential agreements with international and other local banks and other commercial giants. So, if cryptocurrency will receive the legal status and gets regulated internationally and on the level of local governments, Ripple will have a huge advantage in front of other coins to work with banks and financial institutions because it is transparent and corresponds to the bank requirements.