I still don't understand why XRP is considered a top 5 cryptocurrency? I really don't see any technology in XRP, it's just a few (a couple) of nodes that are run by the founders of the project. How can these coins be worth anything?
Whether a coin is worth something is determined by the law of the market, i.e. demand and supply. Demand may be because there is a need in the market, there is an opportunity to make money, or the product simply has good marketing. In the case of Ripple, it is about a little of all three, which does not change the fact that it is a terrible coin. The fact that it is in top5 is due to the very large MarketCap - the total amount of money invested in this coin.