they can be worth the investment for the long term. However, I believe Ethereum will always be above Ripple because of its decentralized nature. People can do more with Ethereum than Ripple, but the latter gets an attraction with the bank when the partnership is built. Maybe the future of XRP, will be such that it can be used as the settlement currency for various fiat digital currencies throughout the world. Imagine the US issued a "digital dollar" on the XRP blockchain, and Europe issued "digital" on the same blockchain. Because the XRP is very centralized, there is no doubt that this can happen in the future, has a positive effect on the price of tokens on the market.