I would recommend not to invest in XRP. It is far away from the idea of P2P payments. It is for banks! It may be pumped lately, but the dump is inevitable.
Someone says something similiar about just about every coin. One of the reason I picked Ripple as my first coin was due to the connection to Banks.
I started to try and buy Ripple when it was at $1.90 ... Currently at $2.70 and still haven't found a way to purchase it other then places like ebay wanting to over charge sometimes by 100 % or more of what the coin is worth.
All these exchange sites want way too much information for crypto currency. Two step verfication ... ID .. Picture of yourself ... they ask for everything but your first born. And why do they all want to SMS your cell phone with no other option of verification. Some people live in black out areas where there is no cell service. The crypo currency system needs allot of work.
Hitbtc works for me. I've been investing in XRP ever since it was $0.40 (had the opportunity to get in at $0.25 and passed LOL!!!). Verification is nonexistent if you transfer BTC, ETH, or USDT. You can then exchange one of those 3 for XRP.