Hi. XRP is probably a safer investment considering that Ripple has more worldwide support, connections and name and is more actively developing and trying to get the big guys to back it up. Cardano might have more potential but is probably a higher risk. I would take both but a bit more XRP.

Also compliance is very important. Whether or not it could be seen as legit by governments for regulations. As we have learned in 2018 the hard way...