I bought XRP initially because it was centralized and working with banks. It seemed like  a good hedge against the other coins I had. That was years ago and I’ve watched it go from a few pennies up to $3 and back down to wherever it is today. I still like the possibility of the company and the token doing well, but even back then the price predictions were only going as high as $2-3 which we saw last dec during the boom. I think it’ll get back up there again but who knows.....