IMHO I do not agree with extremely popular opinion that XRP is one of the best and safe long term bets. Yes, they do get MINOR adoption, from huge organisations, but its like they are like "ok ok, let us try, maybe this is going to work". I mean they seemed to have minimal results for their huge efforts, just like SWELL. People say that they taking their time and speculators are expecting too much in short time, however, there should be at least some kind of movement in price by now. And the most important point is that, yes, they are taking their time, while banks say clear "no" to them openly, but that time is playing against ripple, as SWIFT and banks themselves are surely to come up with their own solution.