So XRP(Ripple) has bypassed Ethereum to become no. 2 coin on coinmarketcap and it has seen about 70% growth in last 24 hours and about 300% gain in past week or so. Is it still the right time to get into it and buy some XRP. Some people might argue Ripple is centralized and Pump & Dump coin but a trader basically looks for profit not other so much about other factors.
The ripple coin recently went around ethereum in terms of capitalization for only a few hours, with a capitalization level of over 23 billion dollars. A few days later, the level of capitalization of this coin fell to 18 billion. Now, the capitalization of ripple is just over 22 billion. As we see, the level of ripple's capitalization is not quite stable, I would not prefer this coin. You can invest in it, this coin will have a good demand in the banking sector, but the price of this coin is manageable.