Im caotious about xrp ,why ?
Becouse i make my financial decisions based what the big guys and whales do it.
What i see ? It doesnt apply for the benchmark legimate rules to be trusted enough.
I see xrp not favoured by them it's secret but If you can read the info and you know rules also of SEC then you get the idea.
Instead of XRP i'll choose XLM stellar.
To be honest i don't put any money on xrp it's one of the coins from what i stay out XRP does not seems to me legit project.
I just don't like to take unneccesary risks.
So no matter how much FOMO and hype xrp has...Im out of this project.
Try checking this thread mate https://bitcointalk.org/index.php?topic=5452575.0 as there are lots of comments about either Bitcoin or XRP to be invested and you will also find how bad some looks about xrp's future.
How sure are you that SEC won't come for XLM as well?
Here is another valid point , the SEC nowadays are acting accordingly against crypto and no matter how good the coin is , they will still look for something they can trigger its vanishing or their winning.