I'm going to have to go ahead and disagree with you there? Ripple is probably one of the worst coins in the top 20. The entire point of cryptocurrency is for the decentralization aspect, Ripple is centralized. On top of that, the developers of Ripple own more than 50% of the total coins. That is an insane amount and I will avoid this coin like the plague. They've been unlocking 1 billion tokens per month for the past few months as well, so I would seriously use care if you decide to invest in Ripple.