I would agree its a token, but a key aspect of a Crypto is that it is decentralized and mined or verified in the case of POS coins, but since Ripple is not mined into existence, I don't think it qualifies as a true Cryptocurrency.
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I believe it does qualify as a good investment. I have no problem not calling it a cryptocurrency. We could call it a digital asset, a bridge currency or a commodity.
Title it what you want but this thing is making headway and solving a trillion dollar problem. I hold BTC which I believe is a good investment in the short term but for the long term XRP is a clear winner in my humble opinion.