Ripple looks quite promising coin. And I am sure that he will have a good price. But I am very concerned that the bank that created Ripple has a share of more than 50% of the total number of coins.
Ripple is not a bank or a coin xD
As for your concern regarding "has a share of more than 50%", please read:
https://ripple.com/dev-blog/explanation-ripples-xrp-escrow/It'll probably open more questions, but that's good, right? xD