75% yes,the xrp will not rais again like the big rise in the end of 2018
Now is the time for eth
XRP is different in XRB or railblocks my friend dont even compare the two because XRB is better and far ahead than XRP.
Its never too late to invest in railblocks because it is still cheap right now,wait for the major exchanges to XRB im sure it will be more than x100.