You should avoid both. Ripple is issued from nothing and half is in circulation now other half is not. can be put in circulation any moment. and there is no schedule there are people deciding that. People that made Ripe to get themselves rich.

ETN have Monero technology from year 2016.  Monero had no ICO but gets developed for free or developers get funded from donations. ETN even if they copied Monero code had to gather $40 million in ICO. You can launch an opensource currency for free. You dont need $40 million for your self like Richie took for him.

If you want a payment coin choose Monero or Bitcoin. Forget the rest.