Small revise for your understanding about ripple and XRP. Ripple is company, while XRP is their currency.
When talking about ripple, yes. i admit that ripple has a good progress. They have advantage of low fees and their system is very suitable to be applied in banking system. While xrp is the opposite. Imo, It is not good to be hodl since mccaleb still have millions of xrp in his personal wallet.
Thanks for clarifying this for everyone, because its really important stuff. While Ripple as company ha really decent growth over past couple years, XRP was stagnating and almost non-stop falling in terms of price and value