In a certain market condition, I would suggest to investment into cryptocurrency, it will determine as a long time investment, but if you can invest for a short time only, most likely you will loose your money in the bear market.
in general, the ripple is actually a very good project for the banking system, on the basis of whether it makes sense to consider this coin as a long-term investment. Especially if you take into account the moment that the banking system is not losing.