Yes, Ripple is a virtual currency that stands at No. 3 in the rankings of electronic money being coinmarketcap statistics and is being attracted by many investors. Ripple is a large-capitalized currency so you can definitely hold long, the price of ripple is low so investing in ripple is now a good time.
Well, you may be saying this simply because you have no idea how centralized ripple is. More like a banker's coin made for that sole purpose.
Anyone investing into ripple should rather just go invest in fiat then because I really do not see any difference than some bunch of devs trying to be in the position of the government, a lot of monopoly and manipulations still intact, and nothing close to the idea of decentralization which is why it should not even be referred to as cryptocurrency.