Ripple is a risky investing in my opinion. Real circulating number is unknown and it can mint infinitive amount and most of the tokens held by the same company. And i choose not to trust this company regardless of what analysts say.
You have a good point and in fact there are many people who are holding the same opinion with XRP and the people behind this platform. I actually have some XRP and I bought them when it went sky-high $3. I know it was a very bad decision on my part...it is akin buying Bitcoin when it almost reached $20K. Right now...I am praying it can go as high as $.50 then I will dispose of them or maybe if Nexo can accept XRP then I will use them as collateral for a loan. XRP has been a divisive entity in the world of cryptocurrency and will continue to be playing that role for some unforeseeable time.