Honestly, XRP is extremely overrated. It's a centralized token, which means that the SEC is always going to be watching it since it's a security. And to make it less of a security the founders control the price. Why do you think a token that has been out for almost as long as Bitcoin has been around can't go above 1$ except when Bitcoin pushes it? If it's been out for as long as Bitcoin don't you think the price would be at least $1000 by now? But it's not, it's low performing asset. There's an inside joke that it's even a stablecoin....
Even if XRP were to rally, I still would not put my money into it just for the fact that I have a problem with everything it stands for. Crypto was made for everyone to have control, not 1 individual or organization. Which do you really believe our government would hand control over to XRP over the fed? Xrp has been 1 thing since day 1, and that is nothing more than a
shitcoin....