Ripple just released their Q3 report and it's a good read! The company shares their vision for what they plan on accomplishing during quarter 4. And my favorite bit from the article:
'Our Cuallix announcement was a clear indication of significant progress, but it’s just the beginning. In the fourth quarter, we’ll announce additional xRapid partnerships, an innovative approach to using XRP to further Ripple Network adoption, and new ways XRP will drive broad development of the digital asset space. Visit Ripple Insights throughout the quarter to read the latest developments as they unfold.'
Link for entire report/article: https://ripple.com/insights/q3-2017-xrp-markets-report/
IMO, Ripple has a solid foundation. XRP is not a get rich quick coin. Ripple is in the process of laying a foundation that 7-10 years from now will be considered the new norm in banking. As of this writing, XRP is valued at .21/unit. It is definitely not too late to invest. Patience is a must with this investment though. I hope Ripple keeps doing what they do and have another repeat of an already great year!
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