XRP is a long long term play. The idea is that Ripple beats out or competes alongside SWIFT payments. With SWIFT payments in banking, we can send a wire internationally and it takes maybe 5 business days to get there. With XRP, you send it same day. This same day technology works as part of traditional banking procedures, meaning traditional banks can send global payments same day which they could never do before.

The idea behind this investment is that we are supposing or wagering, this causes the XRP currency to be a major currency in the future. This is not 100% guaranteed, but XRP has a far better shot of accomplishing this than say something like IOTA, SALT, Litecoin, perhaps even bitcoin since bitcoin is unlikely to integrate with traditional banking.

So XRP is like a 2 to 5 year timeframe investment. There may be periods as we have seen where it doesn't perform as well as other stuff, but each decent crypto gets its day / month. XRP is likely to break above 40 cents and touch new ATM's eventually, so long as they keep gaining traction in the banking world for payments and currency management.