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XRP might have been doing a good rise in the market in the past days but having it as a centralized coin even if its a top coin could mean not ideal for long term holding. Although what we have here are more on speculations but i prefer to invest in decentralized coins that are on the top of coinmarket cap than focus in XRP which i might regret in the future.
There were some rumors, that I've read recently, saying that more businesses and companies or banks? I'm not so sure, but they said that more of these will support ripple(XRP) in the next years making it more valuable in the next future. If that is can happen, I guess it's safe to invest on this coin, but it is really a long term holding. However, if it does not happen, I'm not sure if xrp is still good. The thing that I don't like with ripple is that they can generate any amount of it anytime that they want.