I agree with onealfa , this is a coin designed by banksters. Its too hard to understand how it has value when even if a bank uses the system it does not nessisarly use ripple.
Any system designed by wallstreet is a mechanism designed to line their pockets with your money.
That being siad I do think they are not done pumping this ripple crap yet and it may still have room to rise.
I made the mistake of buying before researching and do hold some, waiting for their next pump so I can dump.