I'm not sure... Ripple has potential, but I reded somewhere that banks are interested in Ripple, but not for XRP. Correct me if I'm wrong, Ripple is protocol and XRP is coin or currency. I put some money into Ripple when it was around 0.31 USD, because there should be some update in June and that may increase the price. Ripple will keep third place when it comes to market share, but it's in bad position right now.