Ripple ruins the whole point of crypto, it's centralized by big banks the transactions are not private and expect to have taxes paids, be smarter and invest in other altcoins that benifit blockchain technology, such as electronuem for example which im currently investing in, im at a 80% profit currently.
edit, bought 800k ETN @ 0.01$ when ico got released. and it is currently now 0.09$ and will hit 1-50$ or higher this year for sure.
they key is holding onto your crypto or day trading, i'd suggest holding if you have the patience.