Hello professor yahon2on,
Am @mrbasis, is my first time on this communities and this happen to be my first assignment. I decide to choose altcoin-XRP because I notice since 2012 when ripple labs create XRP, the market value for so long is less that $1 and recently this month it entered $1.2. I study the reason for the fact. Here is about XRP for those who didn't new the coin.

WHAT IS XRP

XRP is a digital asset built for payments. It is the native digital asset on the XRP Ledger—an open-source, permissionless and decentralized blockchain technology that can settle transactions in 3-5 seconds. XRP can be spent directly. Without needing a central intermediary, making it a convenient instrument in bridging two different currencies quickly and efficiently.

How# How Is XRP Used?

Faster, less costly and more scalable than any other digital asset, XRP and the XRP Ledger are used to power innovative technology across the payments space.

Ripple is focused on building technology to help unleash new utility for XRP and transform global payments. Third parties are also pursuing other XRP-related use cases.
Source

However, their speed of transaction is faster, instant and more easy than other it take 4 sec. Out of 36 validators they manage 6 which is 16%. Although, their are lots review about the system of operation, one outstanding to the coin is stability. Here are few below: