Invest in Ripple. This particular coin has an amazing transaction speed. I heard that many banks want to apply it in their payments and are negotiating about it.
It's exaclty that avoid from buying. How it will be different from
current centralized money system? It's like visa or mastercard. maybe little bit more secure but still contolled by banks, corporations, governments. In any time "your" money can be frozen
ripple does have many advantages, but ripple also has weaknesses. in my opinion that there is no coin that is perfect because in a situation like this that will determine the coin movement is how rude reaction to the coin. when the market has given confidence then it will definitely make coins grow well, on the contrary when coin has not gained trust then the coin will slowly be abandoned.