A couple of points:

• In mid-May there was an explosion in the value of XRP but although the USD price is doing quite well right now relative to BTC it has been a poor investment declining to about 25% of th peak price. Yes, it is holding it's value against BTC recently which is good but not doing better than BTC.

• While there is a lot of talk about banks using Ripple as best I can tell it is really about them licensing the Ripple software stack, not using XRP for moving money around. AFAIK no big bank of finance company wants to depend on "public" infrastructure that is open to attacks and DOS. They can license the s/w from Ripple, launch their own "Ripple" and off they go. Such an event would be great for Ripple Inc. but not for XRP. In fact as soon as more XRP holders realize this they will figure out that Success of Ripple Inc != Success of XRP and start selling.

Disclaimer: I hold a bunch of XRP I got for free from mining on BOINC back in the day when Ripple were giving it away. It was worth almost nothing back, so little I almost managed to lose the keys to get access to them. So I have a vested interest in the success of XRP, but I'm not that hopefuly that it'll be worth much more than 5000 Satoshis again.