I find it as good coin but overvalued, also as it is centralized. I think investing in such coins like etc not high cap also decentralized would be safer.
I am personally not a big fan of XRP anymore. It is a coin with a very limited goals and objectives and at the same time I believe it is overvalued as most of the crypto experts keep on saying about it. The future for crypto is in a decentralized system. The centralized currencies have a lot of challenges as they are not part of the true ideology, as they been regulated by a certain group.