Biggest problem with Ripple is that it is too much centralized. And the other issue is that Ripple is not the same as XRP token. Every bank in the world wants Ripple and their technology xRapid - on the other hand no-one wants to use XRP token. Ripple has only good news for last í months, but the price still came down with the whole market. For Ripple is still too early in my opinion - in 2022 approximately, it will be the best crypto performer though.