I am sorry but I cannot agree with your analysis. My mind cannot logically make the jump to assume that 55 billion locked-up ripple is best represented by multiplying that number by the current price. This assumes far too many intangibles... And it simply ignores supply and demand. The 55 billion ripple will, simply speaking, dilute the value before any market adjustments. It is planned inflation. I think ripple is a decent investment, but there are so many factors to assume here-- most notably that more than half the supply is unobtainable right now, which restricts the supply and increases the price as demand for ripple spiked over the last month. The biggest coin is bitcoin.