I prefer Ripple. Because the price of Ripple is still below $ 1 and I think the price of Ripple will continue to rise. While Litecoin price is high but Litecoin capitalization value far below Ripple.

XRP, allegedly will reduce the cost required when transferring money. It also makes transfer time much faster. Interestingly again, it seems that currently XRP is the only digital currency that has the support of the banking sector.