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Ripple is universal email service for value sending and settling with a blockchain while ethereum is indestructible indisputable contracts with value with a blockchain, basically.. We may believe they are inevitable but at this time it is crazy speculative. Did you know Coinbase solicited private money investments in spring/summer of 2012 before opening for business? Today its a no-brainer but back then it would have been crazy speculation to invest in them, even if we back then would have seen their success as inevitable. I'm not a programmer but when I realized bitcoin is amazing I bought xbt. When I became convinced by Ripple Labs I bought xrp.