Ripple is still heavily centralized and doesn't fit the anarchocapitalistic philosophy of Crypto Currencies; having said that, it is a professional
working product, has a good use case that persisted well and improved, and for some reason often gives the highest interest rates for lending...
I do not think it is professional, it is just a product that is always manipulated by others because you can see that, in many times, a lot of good news about it but the price has never increased, it almost caused an absolute disappointment for investors. And after people forget and ignore it, the value of the ripple is constantly rising, manipulation of price is too obvious, I do not think we should join and invest in it, it just makes us fall into the trap and lose money in vain