It's one of the biggest scams in crypto. It cannot be mined. Instead, the founders simply created 100 billion out of thin air and gave it to themselves. They dump a few hundred million or a billion or so on newbies whenever they want some more money for themselves. It is centralized, the founders control the blockchain, and can freeze addresses and coins as they see fit. And none of that mentions it is supposedly designed to be used by fiat banks, but you can use the Ripple Protocol without needing to use XRP, so it is completely pointless.

My advice for you would be to ignore everyone who tells you an altcoin is going "to the moon" or any other such childish nonsense. Almost everyone who is doing so is trying to make themselves richer by hyping up whatever rubbish they are stuck holding at a much lower price than they bought in for. The only coins I regularly use are Bitcoin and Monero, and both of those I use because of their technology, not because of their price.

Stick with bitcoin for the time being. A lot of people will stick solely with bitcoin forever, which is not a bad idea. If and when you do want to venture in to altcoins, choose ones with good technology and ongoing development, and not because someone is shilling their bags.