Is that an opinion? The coin is undervalued. Ripple, more specifically Xrapid, will be used by many large banks and payment processors in the near future. Once that platform is rolled out, the XRP coin will be used as the means to transfer funds in one currency and receive those funds in another currency. Xrapid is the action of sending the funds, but the XRP coin will be the means to settle the transaction. This coin will take off when either A.) a BOA type of bank signs on B.) a PayPal type of processor signs on C.) its added to Coinbase D.) all of the above

Ripple is also working WITH regulators, so once regulations happen, they will already be equipped to operate within those restrictions.