I bought a bunch of Ripple in February/March, so i definitely have a soft spot for XRP. I think a lot of the trepidation around XRP though is (at least to me) it isn't 1000% clear the association of the currency to the work they are doing with their partner banks. They are using ILP (Inter Ledger Protocol) for that value transfer management. I havent been able to find a great concise description of just how exactly the currency fits in. Either way, I still agree its a buy - less fundamentally - but definitely for the fact that they are one of the few companies in crypto with real adoption and people will continue to flock to it.