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.
You should analyze the ripple technology transfer for banks and XRP coin are two different things. Banks do not actually use XRP in internal transactions. And the founders of the ripple are holding a lot of XRP