I wouldn't trust a centralized coin endorsed by banks. Not even to make a profit out of it. If US regulators continue to pressure Ripple (the company), it's likely XRP will fade away into oblivion. Why choose XRP when you can choose something that's built to last (Bitcoin, Ethereum, etc)?
Sir have you seen the developments regarding Ethereum and Ethgate? This is going to be a huge issue for Vitalik Joseph and many others. The feds are taking measurements like I've told in the past if you scroll trough my old comments.
Bitcoin will be shut down because of CBDC screenshot this.
God bless