Ripple has a big potential with it's developer and investor, they love to start a bull run periodically then smash it like nothing. If you can catch that "ripple" on it's start you can gain 10x-15x but if you be late you can lose a lot, it is risky but if you look at yearly graph it is about time and today's rise seems like a signal. 
A stable coin can not argue, but whether it has prospects for a large growth, as you predict, probably not. The coin is non-standard and an exception in the market, and it is unlikely to be allowed to float freely.